Providing temporary use of on-line non-downloadable software for data aggregation, reporting, analysis, predictive analytics, and optimization; software as a service (SaaS) services featuring software using artificial intelligence in the fields of healthcare and insurance; software as a service (SaaS) services featuring software that uses artificial intelligence and machine learning in the fields of data aggregation, reporting, analysis, predictive analytics, and optimization; software as a service (SaaS) services featuring software using machine learning and artificial intelligence for the continual enhancement of identifying and mitigating operational, clinical, behavioral, financial and strategic risk, and providing recommendations to the same; providing temporary use of on-line non-downloadable machine learning software in the field of healthcare; providing temporary use of on-line non-downloadable machine learning software for aggregating and analyzing data and providing recommendations based on said analysis