1. A computer system to communicate health care data between health care participants the computer system comprising: a computer configured to communicate with one or more payor computer systems from one or more payors; wherein the computer is configured to communicate with each of the one or more payor computer systems of a type that includes one or more databases storing records of payor healthcare data of a type that are displayed in separate fields; wherein the computer is configured to receive the payor healthcare data from at least one payor computer system from the one or more payor computer systems; wherein the payor healthcare data from each of the one or more payor computer systems are configured to convert into a normalized format by a normalization system; wherein a normalized format is of a type that displays healthcare data from one or more sources such that any healthcare data associated with a healthcare record which has the same meaning will be expressed in the same format despite any prior formatting; wherein the normalization system comprises: a rules engine that establishes the predefined format, predetermines how each of the payor healthcare data is to appear in its respective field, and remodels any of the payor healthcare data that is not expressed as predetermined by the normalized format into the normalized format becoming normalized data such that all normalized data expressing information having the same meaning now expresses that meaning in the same format; wherein the normalized data form at least one personal healthcare record; and wherein the at least one personal healthcare record is configured to be viewable on a recipient computer.