Skip to main content

A personal health record: Better care, lower costs

Shelly  Gigante

Posted on October 06, 2022

Shelly Gigante specializes in personal finance issues. Her work has appeared in a variety of publications and news websites.
African-American thirty something male in signing up for a road race with wife behind
Magnifying Glass Icon 
This article will ... 

Explain the difference between an electronic medical record and a personal health record.

Outline the most important elements of a PHR, which should include your medical history, a list of your providers, and medications you take.

Offer guidance on how to protect your personal health record, whether your PHR is paper-based or digital. 

A good diet and exercise may be the most effective way to control your family’s health care costs and keep everyone feeling fit, but an organized personal health record plays an equally vital role.

Indeed, personal health records, PHRs, enable patients to take a more active role in their treatment plans, maintain optimal health, and extract more value from the health care system by minimizing waste. (Think redundant tests when you seek a second opinion, unnecessary immunizations when you can’t remember the date of your last shot, or paying full price for a procedure that you could have had done for less last year after your family met its annual health insurance deductible).

PHRs also simplify the process of sharing relevant health information with providers, which helps the patient facilitate care coordination and improve chronic disease management.

“A personal health record is an excellent way to keep up with screening exams, test results, medications, and medical and surgical history,” said Cindy Cooke, immediate past president of the American Association of Nurse Practitioners, in an email interview. “It is a challenge for all of us to remember the dates of a particular procedure, so having a personal health record makes it easier for patients to partner with the provider of their choice to improve health outcomes, decrease repeating tests and therefore decrease health care costs.”

Unlike the electronic health records (EHRs) at the doctor’s office, a personal health record, or PHR, is managed and maintained by you. As such, it has the capacity to be more complete and readily accessible.

(Take note: Many healthcare providers and insurers these days also make web-based patient portals available to members, which allow them to view test results, book appointments online, pay bills, send secure emails to providers and, in some cases, conduct video consults from their home. Patient portals make managing your health a cinch, but the health information they contain is often limited to the providers who currently treat you. Also, patients may not be able to transfer the digital data collected to their new patient portal when they change providers or plans.)

What goes into a personal health record?

The personal health record that you create can be either paper-based – kept in a folder – or electronic. They need not be overly elaborate, but they should be thorough.

“PHRs are not difficult to put together,” said Cooke.

The Office of the National Coordinator for Health Information Technology suggests a PHR include your family medical history, personal medical history, contact information for the patient and his or her family members, a list of providers involved in the patient’s care, and a list diagnosis, medications and allergies. It should also include your immunization record, lab test results and consultation reports.

You may also wish to include a copy of your living will, which clarifies your wishes for end of life care, and medical power of attorney, which grants another individual (of your choosing) to make medical decisions on your behalf. (Learn more: Wills and the basics of estate planning)

But you needn’t stop there. You can populate your PHR with whatever information you deem relevant, including a list of childhood illnesses, sleep patterns, anxiety triggers, injuries, prior hospitalizations, and surgeries.

Weight, calorie intake, and heart rate metrics gathered from fitness apps can also be input, if desired, to help you set and keep goals.

You can even include the name of your health insurance company and policy number.

Security risks

Whichever record keeping system you adopt, you will need to be sure it is secure, lest your private health information fall into the wrong hands.

Paper-based records, for example, should be stored in a locked, fireproof cabinet with access granted to only authorized family or friends.

Digital PHRs, by contrast, may be easier to keep current and transmit, but they also introduce some added privacy concerns. (Related: 8 simple steps to secure your digital data)

“Security is always a concern and that is why many patients choose to maintain their PHR at home on their personal computers and print out records as needed,” said Cooke, noting patient portals that are tethered to an EHR at a physician’s office or insurance company are generally covered under the federal Health Insurance Portability and Accountability Act, or HIPAA, and thus subject to the most stringent privacy safeguards.

Digital PHRs come in all shapes and sizes, according to, a patient advocacy group.

Consumers can install a PHR application on their personal computer that enables them to input information, download files, and scan documents they receive from their providers.

Minerva Health Manager, for example, enables consumers to store their personal health records at home and share them with physicians as needed using a flash drive or viewer for mobile devices.

Others are internet-based tools, which should be password and user-name protected. Users can access their PHR online and give others access as well. Some are connected to different providers, and can store data from personal health devices such as blood pressure monitors, glucose monitors, and weight scales, so it can be easier to keep your health record up to date. It can also be used to manage the health of a child, parent, or other family member.

Hugo, a cloud-based personal health platform, developed in partnership with Yale-New Haven Health System, similarly offers a centralized and secure database for health care information that can be shared with health care providers and family members, or synced with research databases to help find next generation treatments and cures. notes, however, that the degree of privacy of personal information on Internet-based PHRs depends on the security of the devices you use to store and transmit your data, whatever is built into the PHR application itself, and the security of the networks the information travels along.

Finally, smartphone mobile PHR applications, like the federal government’s, which is free, enable consumers to access and share their personal health information. Other fee-based options include My Medical. Some even allow you to share that data using social media, which views as worrisome for health care consumers, because social media outlets may not use adequate encryption technology to safeguard privacy.

Look before you leap

To protect their privacy and patient rights, the American Health Information Management Association, AHIMA, recommends consumers do some digging and comparing before they adopt a digital PHR.

Questions should center on record completeness, data rights, access, security, portability and cost, it suggests.1

First, find out if the PHR you are considering will store your complete health history, whether that information will be automatically populated from other records (such as insurance, employment), and whether it can be securely transferred. Patients should ask, too, if they can delete, correct, or add information on an ongoing basis, AHIMA suggests.

Importantly, consumers should also ask whether the PHR software vendor has ownership rights to the collected information, whether they can sell their information to a third party, and if so how they can protect their privacy. They should inquire as to whether their information will be used for employment or insurance coverage decisions, AHIMA recommends.

Find out, too, who has access to the information in your PHR, how you can control the sharing of your information, and how the vendor has secured it to prevent unauthorized use.

Finally, if the personal health record is made available through an employer or insurer, find out whether you can still connect with your PHR if you are no longer employed or insured by that company, whether you can transfer your information to another PHR in the future, and whether there are any fees (e.g. access fees for doctors, dentists or authorized caregivers) involved in maintaining your personal health record, AHIMA suggests.

While consumers must be vigilant, especially where protected health information is concerned, they should not let that deter them from creating a robust PHR, said Lesley Kadlec in an interview, AHIMA’s director of Health Information Management Practice Excellence.

“It is important to be mindful about privacy, but it is also important to think about the benefits of having access to personal health records in emergency situations,” she said. “Having an accurate list of allergies and your past medical history and surgeries and being able to present that information quickly to emergency room personnel can make a big difference in getting the care you need quickly.”

The benefits of maintaining a thorough personal health record are almost too numerous to name, enabling better coordination with health care providers, opportunities to manage costs, and portability when you need it most.

Just be sure you verify in advance that the information you store and transmit is secure.

“A PHR allows you to store information from a variety of health care organizations all in one place,” said Kadlec. “When you review your records, you can speak more intelligently to your providers, review the instructions they give you later when you get home and ask the right questions, which are all a really big benefit to the patient.”

Discover more from MassMutual…

Health savings accounts for retirement planning. Pros and cons

Health benefits of running regularly

Health hazards of being a boss

This article was first published in September, 2016. It has been updated.

1 American Health Information Management Association, “Helping Consumers Select PHRs: Questions and Considerations for Navigating an Emerging Market.” November, 2018.

Need a financial professional? Let us know ...

* = required

By submitting this request, I agree to receive e-mails and phone calls using automated technology from MassMutual, its financial professionals, affiliates or vendors on its behalf regarding MassMutual products and services, at the e-mail address and phone number(s) above, even if it is for a wireless phone. I understand I can contact a local financial professional directly to make a purchase without consenting to receive calls from MassMutual.

The information provided is not written or intended as specific tax or legal advice. MassMutual, its employees and representatives are not authorized to give tax or legal advice. You are encouraged to seek advice from your own tax or legal counsel. Opinions expressed by those interviewed are their own and do not necessarily represent the views of MassMutual.