Patent ID: 7912734

Claim:
A computer-implemented method comprising: selecting a set of health benefit products including a new health benefit product for which no prior enrollment data is available, each health benefit product in the set having different product attributes; receiving a response from a member of a group of consumers, the response being responsive to a questionnaire; predicting, from the member's response to the questionnaire, a preferred health benefit product chosen by the member from the set of health benefit products; predicting, from another member of the group's response to the questionnaire, a preferred health benefit product chosen by the other member from the set of health benefit products; estimating from the preferred health benefit plans, an overall predicted enrollment distribution for the group, from among the health benefit products of the set; determining, by one or more computers, an economic return for each health benefit product in the set of health benefit products, based on the overall predicted enrollment distribution and information referencing a predicted, future health trajectory of the member, wherein the economic return is reflected in a ratio of a projected profitability to a level of subsidization for each health benefit product; adjusting the product attributes of the health benefit products in the set until a minimum economic objective is obtained; and when the minimum economic objective is obtained, offering the set of health benefit products to the group of consumers.