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This invention provides a big data-based automated health insurance pricing system, comprising: a big data platform, which is connected to a data acquisition interface via an API; a data analysis and modeling module connected to the big data platform; a rules engine connected to the big data platform; and a user interface on the big data platform for customers or agents to input information, view quotes, and complete the purchase process. The data analysis and modeling module includes actuarial models and a machine learning algorithm library for risk assessment and pricing. The rules engine stores and executes the business rules, compliance requirements, and underwriting policies for insurance products. This invention enables personalized pricing: it can achieve more reasonable rate pricing based on individual health conditions, rather than relying on traditional large-group average data; and it improves efficiency: the automated process significantly shortens underwriting and pricing time, enhancing the customer experience.