Software applications and management services for use in machine learning based predictive analytics of aggregate data on patient health, health care cost prediction, risk stratification. For use in population cost management, cost assessment, targeting, and benefits and program planning for health management, the identification of disease risk, prediction of disease risk, the management of disease risk, and the prevention of disease risk; Software applications and management services for use in aggregating various information and usage data from third-party digital software applications and services that are used to promote or manage an individual's general health and well-being, mental health, lifestyle, fitness, nutrition, and medical issues, for the purposes of measuring the effectiveness and return on investment for each solution; Software applications and management services for providing health care coordination and navigation services for patients; Software applications and management services for providing calls or chats with a health care coordinators and wellness coaches, schedule callbacks, receive notifications, track activities and for providing incentive management solutions for optional health and wellness for patients