Imagine a Health Care system that functioned like the consumer credit industry. Scott Kornhauser has. The CEO of Healthation thinks the system ultimately delivers a personal health care score (like a credit FICO score) that drives what consumers pay for healthcare, complete with the ability to improve rtheir rating over time with the right behaviors/performance.

That tidbit was part of the vision Kornhauser delivered in “Processing the New Business of Health Care in a Retail Marketplace”. Kornhauser’s bigger vision is that the retail transformation of the U.S. health care delivery system is going to demand real time claims adjudication. To make real time claims adjudication a reality, Kornhauser sees a combination of indexes and other data points coming together to make the real time claims process work.

In Kornhauser’s vision, consumers will have the ability to opt in or out of sharing their data with various types of providers. However, to get the best health care credit score possible, they would have to share a great deal of data and then have their overall health judged - via a numerical score that looks a lot like the FICO score that drives your personal access to credit.

Ready to tell Danny in Accounts Payable he has a health care credit score of 500 and will have to pay double what others do for healthcare?

Great!

Have a bad health care FICO score like Danny? In Kornhauser’s world, you’d probably pay more for medical premiums. But like the credit FICO score, you could improve your health care credit score by demonstrating desired behaviors - like paying your bills on time (easy for Danny, right?) or losing weight to get your BMI score within an acceptable range (harder for Danny…).