A computing system comprises an electronic personal assistant application program executed on a client computing device. Included are a health insurance retriever configured to retrieve health insurance information of a user, a history combiner configured to combined aggregated histories of a plurality of users into an anonymized combined time and location-based data, and a health recommender configured to identify at least one health condition of the user, determine a health recommendation at least on the identified health condition, and output the health recommendation including the recommended health care service, providers, and an indication of insurance coverage of the recommended service at each of the providers.