Health Finance Journey model and the 5 Stages Pathways
Untangling health finances to drive better health outcomes
This white paper introduces an advanced version of the Optum Bank®proprietary engagement tool, the Health Finance Journey™ model and the 5 Stages of Health Saving and Spending, Pathways level.
The model uses advanced data analytics and artificial intelligence to demonstrate the correlation between saving money in your health savings account (HSA) with improved health outcomes across three health Pathways. The earlier versions of the model provided a comparison of employees’ health behavior among the 5 Stages including Decide, Open, Use, Manage and Optimize.
Pathways takes that comparison a step further and demonstrates a relationship between moving along the 5 Stages and potentially improving health outcomes, therefore lowering health care costs for both employers and consumers.