Systems and computer-implemented methods to dynamically adjust in real-time a deductible, premium, or incentive for an insurance plan

A method of dynamically adjusting in real-time a deductible, premium, or incentive for an insurance plan, the method comprising the steps of:

• receiving a price change of a healthcare procedure from a healthcare provider through a healthcare provider computing device;
• transmitting the price change of the healthcare procedure to an online tool executing on a server computing device;
• and
• dynamically adjusting in real-time a deductible, premium, or incentive for an insurance plan of at least one patient covering the healthcare procedure based on the price change.

A system for dynamically adjusting in real-time a deductible, premium, or incentive for an insurance plan, the system comprising:

• an online tool executing on a server computing device;
• a menu builder executing on a healthcare provider computing device associated with a healthcare provider;
• and
• a mobile application executing on a mobile user device associated with at least one patient;
• wherein the online tool is operable to receive a change to a price of a healthcare procedure from the healthcare provider through the healthcare provider computing device, and dynamically adjust in real-time a deductible, premium, or incentive for an insurance plan of the at least one patient covering the healthcare procedure based on the received changed price.