Downloadable cloud-based software for providing a number representing the predicted cost of treating a specific patient or group of patients compared to the average patient, based on certain characteristics and health conditions; Downloadable computer software for providing an on-line database in the field of transaction processing to upload transactional data, provide statistical analysis, and produce notifications and reports; Downloadable computer software for the collection, editing, organizing, modifying, book marking, transmission, storage, and sharing of data and information; Downloadable computer software for producing a risk score for health insurance, medical providers, other vendors, ad academic researchers based on a patient's risk factors including, age, sex,, and diagnosis; Downloadable computer software for providing a number representing the predicted cost of treating a specific patient or group of patients compared to the average patient, based on certain characteristics and health conditions; Downloadable computer software platforms for producing a risk score for health insurance, medical providers, other vendors, ad academic researchers based on a patient's risk factors including, age, sex,, and diagnosis; Downloadable computer software platforms for providing a number representing the predicted cost of treating a specific patient or group of patients compared to the average patient, based on certain characteristics and health conditions; Downloadable data compression software

Platform as a service (PAAS) featuring computer software platforms for producing risk scores to predict a patient's expected spending in a period as compared to the average population; Platform as a service (PAAS) featuring computer software platforms for producing a risk score for health insurance, medical providers, other vendors, and academic researchers based on a patient's risk factors including, age, sex, residence, and diagnosis; Platform as a service (PAAS) featuring computer software platforms for providing a number representing the predicted cost of treating a specific patient or group of patients compared to the average patient, based on certain characteristics and health conditions; Providing temporary use of on-line non-downloadable software development tools for providing a number representing the predicted cost of treating a specific patient or group of patients compared to the average patient, based on certain characteristics and health conditions; Providing temporary use of on-line non-downloadable software for providing a number representing the predicted cost of treating a specific patient or group of patients compared to the average patient, based on certain characteristics and health conditions; Software as a service (SAAS) services featuring software for providing a number representing the predicted cost of treating a specific patient or group of patients compared to the average patient, based on certain characteristics and health conditions; Software as a service (SAAS) services featuring software for health insurance, medical providers, other vendors, and academic researchers based on a patient's risk factors including, age, sex, and diagnosis