A method of maintaining electronic medical records, comprising the steps of receiving a medical transaction record, encrypted with an encryption key relating to a patient association of the file, accessing the encrypted medical transaction record according to a patient association; and further encrypting the encrypted accessed medical transaction record with an encryption key associated with an intended recipient of the medical record. The system and method according to the present invention presents a new business model for the creation, maintenance, transmission, and use of medical records, allowing financial burdens to be reallocated, for example more optimally or equitably, to decrease overall societal cost, or simply to provide a successful business model for a database proprietor. Secure entrusted medical records are held in trust by an independent third party on behalf of the patient, serving the medical community at large. Separately encrypted record elements may be aggregated as an information polymer.