42 Providing temporary use of a non-downloadable web application for providing on demand access to data and analytics in the field of administration, management and processing of employee benefits for members, payers, employers, and brokers; Providing online non-downloadable software accessible by mobile phone for providing on-demand access to data and analytics in the field of administration, management and processing of employee benefits for members, payers, employers, and brokers; providing temporary use of online non-downloadable software for providing an employer dashboard with information about employer engagement, insurance claims reports, consumer analytics, financial planning options, incentives programs, healthcare plan comparisons; providing temporary use of online non-downloadable software for employees for managing a healthcare incentive program, comparing healthcare plans, and determining eligibility for healthcare plans; providing online non-downloadable software for comparing employee benefits, health insurance plans, health providers, estimations of costs, ratings of providers, and tracking rewards