Downloadable written documents issued from time to time comprising education and procedures for alternative options for funding patient healthcare costs; Downloadable software for managing finances and improving financial health; Downloadable software for providing consumer card, debit, savings, and credit customer services all within the environment of a high-deductible health plan offered to employers in a way that helps its employees and members; Downloadable software for managing financial accounts, medical claims data, healthcare related tax credits, out of pocket medical and non-medical expenses and providing supporting documentation and analytics to help members make better financial decisions; Downloadable software for tracking behaviors that impact users' physical, financial, and environmental health and well-being; Downloadable software that helps users make better financial, health, and lifestyle choices; Downloadable software for aggregating data in order to afford access to improved pricing of insurance and financial products, benefit incentives, rewards and the offer of discounts on health-related products and that help insurers and employers improve their health plan design, and develop benefits that help improve the physical and financial well-being of members and employees; Magnetically encoded debit cards and credit cards; Downloadable application software for viewing, tracking and managing employer-offered benefit plans; Downloadable application software for viewing, tracking and managing healthcare expenses and expenditures; Downloadable application software providing financial information intended for improving financial health; Downloadable software for aggregating data in order to afford access to improved pricing of insurance and financial products, benefit incentives, and rewards, and that offer discounts on health-related products, and that help employers improve their health plan and benefits offerings; Downloadable booklets, pamphlets, and documents in the fields of finance and healthcare