About HealthyCapital


In 2015, HealthView Services embarked on a journey – to use actuarial data to show patients how small changes in behavior not only improve health, but also increase life expectancy and reduce medical expenses.

The concept took shape through a collaborative effort between CMO Dr. Ray Weick, a practicing family physician at Mercy,* and Ron Mastrogiovanni, CEO of HealthView Services. During their initial conversations, Dr. Weick shared that during his career, he found that saving money was often a strong motivator for his patients. Mr. Mastrogiovanni believed that actuarial data could be used to deliver this information directly to patients.

A two-year project created the algorithms and the foundation of HealthyCapital – a platform that applies monetary values to improved health. The approach relies on Dr. Weick’s and Mr. Mastrogiovanni’s assumption that individuals will be motivated by seeing – in real time – how much they can save through small, manageable behavioral changes, such as reducing salt intake or taking a walk a few times per week.

Through clinical and actuarial expertise, HealthyCapital continues to validate its philosophy by helping individuals adhere to their wellness plans as a way to increase life expectancies, grow their disposable income, and dedicate extra savings to long-term investment plans.

*Truven Analytics has rated Mercy as one of the top five large U.S. health systems for the past three years

Our Mission and Vision


HealthyCapital applications illustrate how simple, healthy choices can increase individual life expectancies, lower medical outlays (for all stakeholders), and grow retirement savings.


HealthyCapital believes that embracing the integration of actuarial data and financial wellness will lead to lower medical expenditures and a happier, healthier, more engaged workforce.


According to the 2012 National Health Interview Survey (NHIS), approximately half of all adults in the U.S. (117 million people) had one or more chronic health conditions, and one in four adults had two or more. Looking forward, the projected costs for treatment of chronic diseases between 2016 and 2030 is a staggering $42 trillion.

Unfortunately, motivating people to adhere to a long-term behavior-management program can be challenging. Even something as simple as getting patients to properly follow their prescriptions can be a difficult task. (Surveys reveal that 50% of American stop taking their medications 6 months after it is prescribed.) As a result, healthcare costs increase and people’s lives are shortened.

HealthyCapital seeks to reverse that trend.

HealthView Services

Founded in 2008, HealthView Services is the leading provider of healthcare cost data for the financial industry. The company’s signature service is an integrated retirement-planning platform that creates personalized estimates of retirement healthcare costs. Algorithms draw upon data from clinicians, 70-million healthcare cases, actuarial data, and government statistics to determine and project healthcare costs.

Find out more about how HealthView Services has been helping some of the world’s largest financial institutions work with clients to their increase retirement savings.

HealthView Asset Management

HealthView Asset Management is a registered investment advisory service and a subsidiary of HealthView Services. HVAM services can be used in coordination with the HealthyCapital application so that users have the opportunity to dedicate disposable income from reduced medical expenses to an array of investment options (tax-deferred, short-term, long-term) and creating more financial stability throughout retirement.

Find out how HVAM has been helping individuals meet their investment needs.