An on-demand and real-time evidence based cost modeling and predictive analysis system, and a financial incentives based plan to reduce healthcare costs. An analytics system that includes a data aggregator and regression models generates incremental expenditures among overweight and obese individuals, predictive forecasts of future medical costs, and predictive forecasts of cost reduction based on financial incentives to recipients. The forecasts may include interactions, personalized variables, statistical trends, prevalence of diseases based on body mass index and/or age, and medical evidence associated with specific illnesses. A computer-based program may process and analyze variables in healthcare records. A health insurance provider may provide an annual rebate on paid premiums to recipients based on a qualifying annual BMI as an incentive. The recipients may receive the rebates in a qualified Healthcare Individual Reimbursement Account (HIRA) managed by the recipients towards future healthcare related expenditures.
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