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Downloadable software for accessing and managing healthcare information and health insurance benefits; Downloadable software for accessing and comparing healthcare providers and healthcare pricing information; Downloadable software for healthcare cost comparison; Downloadable software for use in locating healthcare providers and viewing healthcare costs; Downloadable software for facilitating consumer-driven searches for healthcare providers, comparing medical costs and providers, scheduling appointments with healthcare providers, accessing and providing reviews of healthcare providers, managing claims, providing medical guidelines and recommended care, and managing medical records; Downloadable software for users to request, maintain, manage, and transfer medical records; Downloadable software for health management; Downloadable software for locating, comparing, managing and coordinating healthcare and healthcare information