HEALTH INCENTIVE MANAGEMENT FOR GROUPS

1 . A method of presenting information to an administrator, the method comprising:

(a) accessing a library of actual expenditures on health care by an organization;

(b) generating a baseline based on the actual expenditures;

(c) enabling the administrator to reconfigure a health benefit plan; and

(d) generating a display with impact information resulting from the administrator reconfiguring the health benefit plan.

2 . The method of claim 1 , wherein the step of enabling the administrator to reconfigure the health benefit plan further comprises the steps of:

(i) enabling the administrator to configure one or more incentives and

(ii) enabling the administrator to perceive projected results based on the incentives.

3 . The method of claim 2 , wherein the step of enabling the administrator to reconfigure the health benefit plan further comprises the step providing a set of interactive charts to analyze levels of funding as well as other options.

4 . The method of claim 3 , wherein the set of interactive charts include a scroll bar for setting and analyzing levels of funding.

5 . The method of claim 3 , wherein at least one interactive chart of the set of interactive charts enables the administrator to assess estimated participation versus spending levels.

6 . The method of claim 5 , wherein the incentive is a reward for meeting a goal.

7 . The method of claim 1 , wherein the library of actual expenditures on health care by an organization is maintained by a health care intermediary.

8 . The method of claim 1 , wherein the baseline is generated by a health benefits program that is launched through a web browser.

9 . The method of claim 8 , wherein the health benefits program receives information by accessing data from human resources data for employees, employee medical or medical treatment data and/or insurance information from a health care intermediary.

10 . The method of claim 1 , wherein the display generated in step (d) includes a slider bar or graph to demonstrate cost changes with time.

11 . The method of claim 1 , further comprising the step of providing the administrator a current engagement chart presenting information on the current or estimated current engagement levels of a group.

12 . The method of claim 11 , wherein the current engagement chart indicates by percentage group members engaged in healthcare and group members identified as low risk.

13 . The method of claim 12 , wherein the current engagement chart indicates by percentage group members who routinely check health indications.

14 . The method of claim 13 , wherein the health indications are selected from blood pressure, pulse, weight and body mass index.

15 . The method of claim 11 , further comprising the step of providing the administrator an ideal cost/benefit level of engagement chart presenting an estimated ideal level of engagement levels.

16 . The method of claim 15 , wherein the levels of engagement are selected may the percentage of individuals who actively manage healthcare, regularly exercise, smoke or drink.

17 . A method of optimizing a set of health incentives for an organization, the organization having an administrator, the method comprising:

(a) accessing a library of actual expenditures on health care by the organization;

(b) generating a baseline based on the actual expenditures;

(c) enabling the administrator to reconfigure a health benefit plan by enabling the administrator to configure a set of incentives;

(d) enabling the administrator to assess projected results based on the set of incentives;

(e) generating a display with impact information resulting from the administrator reconfiguring the health benefit plan; and

(f) selecting an optimal set of incentives through the use of the impact information generated in step (e).

18 . The method of claim 17 , wherein the step of enabling the administrator to reconfigure the health benefit plan further comprises the step providing a set of interactive charts to analyze levels of funding as well as other options.

19 . The method of claim 18 , wherein the set of interactive charts include a scroll bar for setting and analyzing levels of funding.

20 . The method of claim 18 , wherein at least one interactive chart of the set of interactive charts enables the administrator to assess estimated participation versus spending levels.

21 . The method of claim 20 , wherein the incentive is a reward for meeting a goal.

22 . The method of claim 17 , wherein the baseline is generated by a health benefits program that is launched through a web browser.

23 . The method of claim 22 , wherein the health benefits program receives information by accessing data from human resources data for employees, employee medical or medical treatment data and/or insurance information from a health care intermediary.

24 . The method of claim 17 , wherein the display generated in step (e) includes a slider bar or graph to demonstrate cost changes with time.

25 . The method of claim 17 , further comprising the step of providing the administrator a current engagement chart presenting information on the current or estimated current engagement levels of a group.

26 . The method of claim 25 , wherein the current engagement chart indicates by percentage group members engaged in healthcare and group members identified as low risk.

27 . The method of claim 26 , wherein the current engagement chart indicates by percentage group members who routinely check health indications.

28 . The method of claim 27 , wherein the health indications are selected from blood pressure, pulse, weight and body mass index.

29 . The method of claim 25 , further comprising the step of providing the administrator an ideal cost/benefit level of engagement chart presenting an estimated ideal level of engagement levels.

30 . The method of claim 29 , wherein the levels of engagement are selected may the percentage of individuals who actively manage healthcare, regularly exercise, smoke or drink.