A method for processing risk factors for a user is disclosed. The method may include receiving protocol data for creating a risk factor engine by an application stored and executed at a computing device. The risk factor engine may be stored in memory and executable by a processor to process a first set of stored user health data for a user. The protocol data may include a rule and one or more health attribute values. The rule and the one or more health attribute values may each include a computer programming expression editable by an administrator. The method may further include determining a user health score through execution of the risk factor engine by the processor and based on the user health data.