Patent ID: 8706524

Claim:
A method of funding an accruable account for a member of an employer-sponsored health plan, the method comprising: determining by a pricing engine a directed contribution amount in accordance with a process comprising: presenting to the member via a web interface an employer-funded defined contribution having a value for a given time period; presenting to the member via a web interface at least one insurance premium option, the at least one insurance premium option defining an option cost for the given time period; receiving from the member at the pricing engine a premium option selection based on the at least one insurance premium option, the premium option selection including a selection allocation less than or equal to the option cost; and calculating at the pricing engine the directed contribution amount to the accruable account by subtracting either the selection allocation or the option cost from the defined contribution value; and transferring a first amount from an employer funded account to the accruable account, the first amount substantially equivalent to the directed contribution amount.