42 Providing temporary use of non-downloadable cloud-based software for healthcare financial analytics, Providing temporary use of on-line non-downloadable cloud computing software using artificial intelligence for predictive insights into health expenditure for healthcare consumers, healthcare providers, and healthcare insurance companies, Platform as a service (PAAS) featuring computer software platforms for optimizing healthcare spending decisions for healthcare consumers, healthcare providers and healthcare insurance companies, Providing temporary use of on-line non-downloadable software and applications using artificial intelligence for optimizing healthcare spending decisions healthcare consumers, healthcare providers and healthcare insurance companies, Application service provider (ASP) featuring software using artificial intelligence for, Providing a website featuring non-downloadable software using artificial intelligence for; Software as a service (SAAS) services featuring software using artificial intelligence for; Providing on-line non-downloadable software using artificial intelligence for providing user guidance in allocating health care spending decisions; Software as a service (SAAS) services featuring software using artificial intelligence for providing user guidance in allocating health care spending decisions; Providing temporary use of online non-downloadable middleware for providing an interface between healthcare consumers, healthcare providers and healthcare insurance companies for personalized healthcare financial recommendations, insurance plan design, and actuarial analysis