USPTO Patent Grant US12586096B2: Health Care Affordability Modeling

ChangeBridge: Patent Grants - Business Methods (G06Q)

Published March 24th, 2026

Detected March 25th, 2026

Summary

The USPTO has granted patent US12586096B2 to Aon Global Operations SE for methods and systems to model health care affordability and availability. The patent describes segmenting populations, determining chronic condition distribution, modeling medical service utilization, and calculating utilization costs to assess affordability metrics.

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What changed

USPTO patent grant US12586096B2, titled "Modeling and benchmarking health care affordability and availability," was issued on March 24, 2026, to Aon Global Operations SE. The patent details methods for segmenting populations by demography and geography, determining chronic condition distribution, modeling medical service utilization, and calculating utilization costs to assess health care affordability metrics. The patent includes 19 claims and was filed on September 13, 2024.

This patent represents a new intellectual property asset related to health care analytics and does not impose new regulatory obligations on healthcare providers or other entities. Compliance officers should note this development as it pertains to potential future technologies or services in the health economics and data analytics space, particularly concerning how affordability and availability are modeled and benchmarked.

Source document (simplified)

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Modeling and benchmarking health care affordability and availability

Grant US12586096B2 Kind: B2 Mar 24, 2026

Assignee

Aon Global Operations SE, Singapore Branch

Inventors

Ronald J. Ozminkowski, Yifei Dai, Geoffrey Kuhn, Xiang Ying Ho, Jonathan Bowen, Todor Penev, Weiyee Lee, Leanne Metcalfe, Andrew C. Rallis, Eric Peng

Abstract

In an illustrative embodiment, methods and systems for modeling health care affordability across a population includes segmenting the population by demography and/or geography, determining chronic condition distribution across the population segments, modeling, across the population segments, medical service utilization distribution for a set of medical services, and calculating, using unit costs for each of the set of medical services, utilization costs for each population segment. The methods and systems may include calculating relative affordability metrics based on the utilization costs.