System and method for health care financing

A system for health care financing, including:

• at least one doctor and at least one other type of health care provider;
• a vendor/operator, having a price list comprising an electronic database having price offers from the at least one doctor and from the at least one other type of health care provider, the electronic database further having consumer feedback data regarding past transactions with providers having price offers in the electronic database;
• at least one employer, each of the at least one employers having at least one participating employee;
• at least one deposit account for each of the at least one participating employees;
• and
• at least one high-deductible insurance policy that is available to at least one of the participating employees;
• wherein the at least one doctor and at least one other type of health care providers have independent authority to vary price offers in the price list, and can access the electronic database to vary their price offers;
• wherein the at least one participating employee can access the price list via the Internet to learn price offers extended by the providers, and can access the consumer feedback data via the Internet;
• wherein payment for a transaction between a participating employee and a provider can be made from a consumer's deposit account without consulting a third party to decide the price of the transaction;
• wherein the employees can place consumer feedback data into the electronic database after a transaction between a given employee and a provider having a price listed in the electronic database;
• and
• wherein the vendor/operator receives positive revenue from health care transactions between the employees and the providers having a price listed in the electronic database.