This update in earlier software has 300 new features that are said to reduce risk, slash costs by up to 50%, reduce administrative overhead by up to 80% and lower aggregate support costs by up to 35%.

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Analytics firms and health insurers say they obey medical-privacy regulations, and employers never see the staff's personal health profiles but only an aggregate picture of their health needs and expected costs.

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So much skill, in fact, that Keane started patenting those innovations--like how to aggregate thousands of orders into batches to trim costs, or how to make his Web site's design tool (which lets customers whip up their own brochures and business cards) communicate seamlessly with Web browsers.

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