Providing online non-downloadable software for managing healthcare expenses, improving financial health, and 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; Providing online non-downloadable software for managing financial accounts, medical claims data, healthcare related tax credits, out of pocket medical and non-medical expenses and supporting documentation to help members make better financial decisions; Providing online non-downloadable software for assisting members track key behaviors that impact their physical, financial, and environmental health and well-being and helps members make better lifestyle choices; Providing online non-downloadable software for aggregating data in order to afford access to improved pricing of insurance and financial products, benefit incentives, rewards and that offer discounts on health-related products and help employers improve their health plan design and develop benefits that help improve the physical and financial well-being of members and employees; Software as a service (SAAS) services, featuring software for viewing, tracking and managing employer benefit plans; Software as a service (SAAS) services, featuring software for managing healthcare expenses and improving financial health; Software as a service (SAAS) services, featuring software for managing financial accounts, medical claims data, healthcare related tax credits, out of pocket medical and non-medical expenses and tracking supporting documentation and for preparing reports related to the foregoing; Software as a service (SAAS) services, featuring software for users to track behaviors that impact their physical, financial, and environmental health and well-being and that help users to make better lifestyle choices; Software as a service (SAAS) services, featuring software for aggregating data in the field of health insurance usage; Software as a service (SAAS) services, featuring software for aggregating data in order to afford access to improved pricing of insurance and financial products, benefit incentives, and rewards; Software as a service (SAAS) services, featuring software that help employers improve their health plan and benefits offerings