Health insurance product

A system for providing a health insurance product for an insurance plan holder having a health insurance plan, the system comprising:

• a memory that stores executable instructions;
• and
• a processor that executes the executable instructions,
• wherein, when executed by the processor, the executable instructions cause the system to:
• collect, for a first period, a periodic contribution payment for the health insurance plan and aggregate the periodic contribution payment collected as an insurance savings allocation balance of collected periodic contribution payments from the first period and at least a period immediately previous to the first period;
• obtain a new periodic multiplier contribution for the first period by multiplying the periodic contribution payment for the first period by a variable multiplier that is variable for each period, and
• determine, using a tangible computer processor, a new cumulative multiplier contribution balance for the first period by adding the new periodic multiplier contribution obtained to a previous cumulative multiplier contribution balance determined for the period immediately previous to the first period.