Providing temporary use of non-downloadable cloud-based software for loading data, data integration and analysis, data mining, predictive analytics, track medical workloads and cases, and store and manage health documents and information; providing temporary use of non-downloadable cloud-based software for managing healthcare payments and maintaining and improving payment integrity; providing temporary use of non-downloadable cloud-based software for managing healthcare premium payments and maintaining and restoring premiums; providing temporary use of non-downloadable cloud-based software for running healthcare cost, payment, and outcome studies for business purposes; data mining