Abstract: Systems and methods for determining an optimized medical plan using a machine learning-based model. The method includes receiving benchmarking data from a database including commercial claims data and past expense data. The method further includes receiving participant data from a user interface on a user device. The participant data includes demographic data, geographic data, and a past health service profile. The method also includes determining eligibility data and calculating base expense data based on the benchmarking data and the participant data. The method further includes calibrating the base expense data using the past expense data and a linear model. The method also includes calculating predicted expense data based on the calibrated base expense data. The method further includes determining medical plan configurations based on the predicted expense data and the eligibility data. The method also includes generating for display the medical plan configurations on the user device.