Patent ID: 8090591

Claim:
A health care financing method comprising: initially developing and calculating an insurance payment protocol using a computer system, wherein the insurance payment protocol comprises a plurality of complexity levels, wherein each complexity level represents a manifestation of: a respective morbidity for a clinical presentation, and a respective treatment associated with said respective morbidity, wherein each complexity level comprises quantified, historical, health care cost data based on an analyses by physicians of: health care finance and delivery data for each respective morbidity and each respective treatment, if applicable, at least one historical patient outcome for the each respective morbidity and each respective treatment, and historic diagnostic related group data for each respective morbidity and each respective treatment, a quantified compliance value of at least one historical cost for compliance with at least one of government regulations and health care managed care rules, and quantifying experiential health care value associated with empirical and historical experimental data for each respective morbidity and each respective treatment; wherein each complexity level is assigned an indexed relative value by physicians, the initial indexed relative value based on: an analysis of each element analyzed above, an assignment to each complexity level, morbidity and treatment information of similar value so that in the aggregate, all complexity levels within a protocol will accommodate all possible clinical presentations of the morbidity and all possible treatments of that morbidity, an assignment by the doctors, developing the initial protocol, of an initial value representing a reasonable amount enough to cover all costs for an episode of care related to the complexity level for that morbidity and treatment selected by the physician and provide a profit of a least 10%, further adjusting each complexity level of the insurance payment protocol by a local, geographic market factor actuarially balanced against an insurance premium; quantifying a global payment for a patient by matching the complexity level of the adjusted insurance payment protocol with unique patient medical condition data, wherein the patient medical condition data comprises: clinical data comprising all associated medical condition manifestations, and selected treatment requirements, the selected treatment requirements identified to treat an entire episode of care by a patient's health care provider and a patient, and wherein the global payment comprises a lump sum payment to pay for all necessary and essential health care at full, fair market value, the necessary and essential health care arising from the patient medical condition data and representing the selected treatment requirements; and transferring the global payment to a financial fiduciary health savings asset account for the patient, the financial fiduciary health savings asset account comprising one or more global payments.