Patent ID: 7974860

Claim:
A method comprising: receiving, by a computer, in response to a computer automated survey, responses from an individual to multiple survey questions related to attitudinal factors, the individual being enrolled in a consumer directed health plan or high deductible health plan; receiving factual profile information about the individual, the factual profile information including one or more of income, credit score, credit balance, gender, marital status, number of dependents, arrest record, and driving record; predicting, by the computer, a personality trait for the individual based on responses received from the individual in response to the computer automated survey and the factual profile information about the individual, the personality trait being associated at least in part with at least one of spending attitudes of the individual and attitudes of the individual toward medical treatment; receiving information related to the usage of the consumer directed health plan or high deductible health plan by the individual; receiving information related to the income of the individual; and providing, based on the predicted personality trait for the individual, the information related to the usage, and the information related to the income of the individual, information about use of the consumer directed health plan or high deductible health plan to the individual, the information being different for different individuals having different predicted personality traits and different income levels: wherein providing the information comprises: for individuals having a particular personality trait, providing information related to reducing costs to the individual for medical services to individuals having an income below a threshold and providing information related to preventative healthcare to individuals having an income above the threshold.