Providing temporary use of an online, non-downloadable analytical software program used to generate alternative health care plan models with associated cost information in response to user-provided changes in health care plan parameters; providing temporary use of on-line, non-downloadable software for third party administrators, benefit consultants, employer groups, health plans, managed care organizations, and physician groups in the health care provider and health insurance industries to submit data queries to a database or collection of health data; providing temporary use of an online, non-downloadable proprietary analytical software program used to generate cost models based on the user-submitted queries, and provide an interactive interface that changes a particular cost model in response to a change in a model parameter by a user, in the field of healthcare