Patent ID: 7493266

Claim:
A system for managing health care assets with a plurality of management strategies comprising: means for establishing an account for at least one individual; means for determining an appropriate amount of a defined contribution to establish a health care asset for at least one individual in the account; means for employer selection of mandatory health care benefits for the at least one individual that includes a mandatory high deductible catastrophic care benefit; means for determining a proportion of the defined contribution to be allocated for the mandatory health care benefits; means for automatically deducting the determined proportion from the defined contribution; means for offering the at least one individual a selection of optional health care benefits the cost of which may be offset in whole or in part by the amount of the defined contribution remaining in the account after the amount of the defined contribution to be allocated for the mandatory health care benefits is deducted; means for receiving from the at least one individual an identification of one or more of the optional health care benefits; and means for deducting the cost in whole or in part of the one or more of the optional health care benefits from the account.