Software as a service (SaaS) services, namely, providing online non-downloadable software that utilizes artificial intelligence and natural language processing to prepare, review, and revise appeals for health insurance claim denials; providing online non-downloadable software for the analysis of health insurance claims and related actions; providing online non-downloadable software that utilizes artificial intelligence and natural language processing to prepare personalized meal kits, recipes, and nutrition planning; providing online non-downloadable software that utilizes artificial intelligence and natural language processing to assist with understanding health benefits, including health savings accounts; providing AI-enabled online non-downloadable software in the field of healthcare, health insurance, health benefits, health savings accounts, nutrition, and wellness; providing online non-downloadable software for natural language processing, generation, understanding and analysis; providing online non-downloadable software for sharing datasets for the purpose of machine learning, predictive analytics, and building language models; providing online non-downloadable software for creating, generating, and revising text; providing online non-downloadable software for developing, running and analyzing algorithms that are able to learn to analyze, classify, and take actions in response to exposure to data related to health insurance, healthcare, health benefits, health savings accounts, nutrition, and wellness; providing online non-downloadable software for developing and implementing artificial neural networks;