Providing on-line non-downloadable software for accessing and analyzing information in the fields of health and wellness; Providing on-line non-downloadable software allowing users to access healthcare information resources and information concerning healthcare treatment options; Providing on-line non-downloadable software allowing users to access healthcare treatment information and information concerning healthcare treatment options; Providing on-line non-downloadable software allowing self-funded employers to optimize utilization of healthcare benefits and resources, namely, through digital and electronic means in the nature allowing self-funded employers to easily access and analyze utilization data across different health benefits and programs categories