A method for administrating healthcare services allows providers to select cost-sharing levels for each service. Cost-share selections and other provider practice characteristics are stored in a dynamic, cost-sharing database. Individuals seeking a provider can access the database through a network and perform a provider search based on selected criteria. Individuals that receive services from a provider pay the appropriate cost-share at the time of service, and an administrator pays an additional amount based on a fee schedule specifying the amount the administrator will pay for the specified service.