A method and system for personalized healthcare related expense investment planning includes a process for personalized healthcare related expense investment planning whereby, in one embodiment, a timeframe is defined during which the investor/user wishes to provide funds to cover healthcare expenses. In one embodiment, the user's healthcare services utilization for the defined timeframe is then projected/predicted using a personalized healthcare service utilization model. In one embodiment, the cost of the user's projected healthcare service utilization for the defined timeframe is then calculated/predicted based on the user taking part in one or more defined healthcare programs. In one embodiment, the calculated cost of the user's projected healthcare service utilization for the defined timeframe is then used to select an investment plan and/or strategy to provide healthcare expense funds for the defined timeframe.