Providing on-line non-downloadable software to enable users to access employer-provided health, wellness, financial, and employee assistance benefits, programs and services, compare healthcare quality and pricing, review patient feedback, calculate healthcare costs, search for healthcare providers and facilities, schedule medical appointments, manage health care expenses, and access and manage health records; Providing on-line non-downloadable software to enable users to set health goals, receive personalized health care recommendations, and track health and wellness