A successful prospective risk evaluation requires comprehensive and de.ed information about a member 's current health status. As the industry leader in .When you own a home, your costs are a little more complex. Above and beyond the mort.e payment, you have to consider property taand .essments to . - A property 's .essment is based on its market value. Market value is how much a property would sell for under normal conditions. .essments are determined by theessor, a local official who estimates the value of all real property in a community..