Patent ID: 8214230

Claim:
A method of providing an employer-sponsored health plan and a year-to-year accruable health spending account, the method comprising: presenting at least one insurance option for a given time period to a member, the at least one insurance option includes a first option for a cafeteria-style health plan; querying for an insurance option selection from the at least one insurance option; receiving the insurance option selection; and if the insurance option selection comprises the first option for the cafeteria-style health plan: establishing the year-to-year accruable health selection spending account for the member; transferring a first amount from an employer funded account to the year-to-year accruable health spending account, the first amount substantially equivalent to a contribution amount by the employer to the year-to-year accruable health spending account; and transferring a sum from the year-to-year accruable health spending account to the member for a qualified medical expense, wherein: presenting the at least one insurance option, querying for the insurance option selection, receiving the insurance option selection, and transferring the first amount are all performed using a computer system.