Insurance product

A system to determine an insurance coverage amount for an insurance plan holder having a health insurance plan, the system comprising:

• a receiver configured to receive a contribution payment amount from the insurance plan holder in a communication over a communications network, the received contribution payment amount including at least an investment payment portion and a premium payment portion;
• an account data processor that communicates with the receiver and configured to match the received contribution payment amount to the health insurance plan;
• a distributor that communicates with the receiver and the account data processor, and is configured to receive the contribution payment amount and distribute the investment payment portion and the premium payment portion between an investment account and a premium account associated with the health insurance plan, respectively;
• a determining processor that monitors an amount of funds present in the investment account and determines the insurance coverage amount based on the amount of funds present in the investment account and a coverage factor for a predetermined time period;
• and
• an outputter that displays the determined insurance coverage amount.

At least one non-transitory tangible computer readable storage medium that stores a computer program for determining an insurance coverage amount for an insurance plan holder having a health insurance plan, the tangible computer readable storage medium comprising:

• a receiving code segment, recorded on the tangible computer readable storage medium, executable to receive a contribution payment amount from the insurance plan holder in a communication over a communications network, the received contribution payment amount including at least an investment payment portion and a premium payment portion;
• a processing code segment processor, recorded on the tangible computer readable storage medium, executable to match the received contribution payment amount to the health insurance plan;
• a distributing code segment, recorded on the tangible computer readable storage medium, executable to distribute the investment payment portion and the premium payment portion between an investment account and a premium account, respectively;
• a computing code segment, recorded on the tangible computer readable storage medium, executable to determine the insurance coverage amount based on an amount of funds present in the investment account and a coverage factor for a predetermined time period, the coverage factor being;
• and
• an output code segment, recorded on the tangible computer readable storage medium, executable to display the determined insurance coverage amount.