A computer system to communicate healthcare data between healthcare participants includes a computer configured to display a personal healthcare record associated with a patient; wherein the personal healthcare record includes normalized data related to the patient and received from a payor computer and provider healthcare data related to the patient received from a provider computer; wherein the normalized data and the provider healthcare data are of a type that are displayed in separate fields; and wherein the normalized data is in a normalized format of a type that displays healthcare data from one or more sources such that any healthcare data associated with a patient which has the same meaning will be expressed in the same format despite any prior formatting.