Patent ID: 8204768

Claim:
A computer-implemented method, comprising: receiving, at a consumer computing system, historical healthcare-related claim information comprising one or more prior healthcare-related expenses relating to previously filed healthcare claims and historical healthcare expense information relating to prior healthcare-related expenses that have not been claimed for either insurance or flexible spending account reimbursement; predicting, using the consumer computing system, that at least one of the one or more prior healthcare-related expenses is likely to be incurred in a given future time period, the predicting comprising consideration of how long a given recurring expense or associated condition has existed, whether a single-treatment expense in the historical healthcare related claim information relates to a treatment that typically involves a series of treatments, and whether multiple claims within the historical healthcare-related claim information are associated with duplicate information, the duplicate information including diagnosis code, treatment or procedure code, or prescription name; estimating an initial flexible spending account allocation dependent on said determining and also on identifying whether the number of claims and expenses associated with one or more particular conditions have increased over a given time period and thus are likely to increase further; and producing a recommended flexible spending account allocation for a healthcare consumer corresponding to the given future time period dependent on said initial flexible spending account allocation and on projected benefits of one or more health insurance plans for the given future time period.