Machine-Learning Driven Data Analysis Based on Demographics, Risk, and Need

A data processing system comprising:

• a processor;
• and
• a machine-readable medium storing executable instructions that, when executed, cause the processor to perform operations comprising:
• obtaining an electronic copy of first demographic information associated with a user;
• analyzing the first demographic information to obtain predicted medical spending information for the user by analyzing the first demographic information using a consumption cluster prediction model, the consumption cluster prediction model being configured to associate the user with a cluster of other people based on the first demographic information and to output predicted medical spending information for the user based on medical spending by the cluster of other people;
• providing the predicted medical spending information to a recommendation engine to generate a customized comprehensive insurance plan for the user comprising a plurality of insurance policies based on the predicted medical spending information;
• generating an insurance recommendation report that presents the customized comprehensive insurance plan to the user;
• and
• causing a user interface of a display of a computing device associated with the user to present the insurance recommendation report.

A method implemented in a data processing system for recommending insurance plans, the method comprising:

• obtaining an electronic copy of first demographic information associated with a user;
• analyzing the first demographic information to obtain predicted medical spending information for the user by analyzing the first demographic information using a consumption cluster prediction model, the consumption cluster prediction model being configured to associate the user with a cluster of other people based on the first demographic information and to output predicted medical spending information for the user based on medical spending by the cluster of other people;
• providing the predicted medical spending information to a recommendation engine to generate a customized comprehensive insurance plan for the user comprising a plurality of insurance policies based on the predicted medical spending information;
• generating an insurance recommendation report that presents the customized comprehensive insurance plan to the user;
• and
• causing a user interface of a display of a computing device associated with the user to present the insurance recommendation report.

A machine-readable medium on which are stored instructions that, when executed, cause a processor of a programmable device to perform operations of:

• obtaining an electronic copy of first demographic information associated with a user;
• analyzing the first demographic information to obtain predicted medical spending information for the user by analyzing the first demographic information using a consumption cluster prediction model, the consumption cluster prediction model being configured to associate the user with a cluster of other people based on the first demographic information and to output predicted medical spending information for the user based on medical spending by the cluster of other people;
• providing the predicted medical spending information to a recommendation engine to generate a customized comprehensive insurance plan for the user comprising a plurality of insurance policies based on the predicted medical spending information;
• generating an insurance recommendation report that presents the customized comprehensive insurance plan to the user;
• and
• causing a user interface of a display of a computing device associated with the user to present the insurance recommendation report.