42 Providing online nondownloadable software for managing health care, medical, and insurance data; Providing online nondownloadable software for estimating health insurance coverage and co-pays; Providing online nondownloadable software for medical cost management and price transparency; Providing online nondownloadable software for processing, visualizing, monitoring, and analyzing insurance, healthcare, and prescription drug data; Providing online nondownloadable software for optimizing insurance network access; Providing online nondownloadable software for developing negotiation strategies in the field of health insurance; Providing online nondownloadable software for analyzing insurance data for the purpose of understanding competitive positioning of insurance plans