Providing an interactive web site featuring technology that enables data storage, retrieval, and transmission of confidential customer information; Software as a service (SAAS) services, namely, hosting software for use by others for secure data storage and retrieval and transmission of confidential customer information; Software as a service (SAAS) services, namely, hosting software for use by others for encryption and secure data storage and retrieval and transmission of customer history and sensitive or confidential personal information; Providing an interactive website featuring technology that allows users to track and create reports on contributions to and expenditures from health savings accounts, flexible spending accounts, premium reimbursement accounts, health reimbursement arrangements and health insurance coverage