System for reducing health-insurance costs including fraud by providing medical histories

A system for reducing health-insurance costs including fraud for patients uses an identification card to allow doctors to obtain a patient's medical history. The identification card can either hold the medical history itself or can link the provider to a database containing the medical history. A method of using the card requires the card to be present to bill; this prevents fraud by the provider. A method of using the card requires the card to be matched to a photograph of the user; this prevents fraud by the card holder. The system includes a database of patients. According to a method, the database of patients can be monitored to check the frequency of diseases.