1. A method for managing healthcare, comprising: obtaining multi-dimensional input data for each of a plurality of consumers, the multi-dimensional data including, for each consumer, claim data, self-reported data, and consumer behavior marketing data for the consumer, the consumer behavior marketing data further including behavior, lifestyle, and attitudinal information about the consumer; a computer using the multi-dimensional input data to iteratively generate a set of clusters for each of a plurality of outcome variables, wherein the clusters for each outcome variable are generated to maximize an output dispersion compression by comparing a ratio of a dispersion of each cluster and an overall dispersion of a population to a predetermined dispersion-compression threshold; a computer assigning a first consumer to at least one cluster according to multi-dimensional input data for the consumer; a computer determining for the first consumer at least one health-trajectory prediction from a model associated with the at least one cluster for the first consumer and the multi- dimensional input data for the first consumer; the computer identifying a target of opportunity for the consumer in accordance with the at least one health-trajectory prediction; and the computer offering the target of opportunity for the first consumer.