LONG-TERM HEALTHCARE COST PREDICTIONS USING FUTURE TRAJECTORIES & MACHINE LEARNING

The disclosed technology includes a system for modeling progression of lifetime healthcare expenses, including healthcare events resulting in an out-of-pocket expenditure per a given healthcare plan, wherein each healthcare event is associated with a group of healthcare events. Each group of healthcare events is associated with different sets of certainty with different groups of individuals. A central computing device communicates with healthcare event data generation sources to obtain the healthcare event data. A static database module stores the healthcare event data in hierarchical layered graphs. A dynamic database module dynamically generates data that depicts different future expenditures over a life span based on the healthcare event data in the static database module. A computer modeling module generates the most likely set of future expenditures using the different future expenditures data in the dynamic database module.