Get access to unique cost savings opportunities, enrollment technology, HR tools and unique ancillary benefits.


With 100s of Health Plans from leading carriers, we have you covered for your Group Health Insurance


Give your employees a set amount of money to spend on their benefits needs. You decide how much they decide what works.


Rate and participation concessions on Dental, Vision, Life, Disability and more!


From decision support to enrollment processing, we have all of your service needs covered.


All your HR, payroll and benefit needs are consolidated in one place. Our suite of Compliance Solutions helps you navigate the new world of health care and comply with the complex provisions of the Affordable Care Act (ACA).


Our guided platform will help your employees decide what is best for them. For a more personalized approach, they can use the online chat tool.

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Employer Group Health Insurance

A top concern for most business owners is the cost of employee health plans. With 100s of Health Plans from leading carriers, we have your Group Health Insurance needs covered. In addition to offering the most competitive group insurance plans on the market, you will have access to unique cost saving opportunities, HSA qualified plans, flexible plan designs, and return of premium opportunities.

Licensed Counselors are available to help you decide the best plan to choose from for your business’ individual needs.

Defined Contribution

Think of defined contribution as an allowance you give your employees for their insurance and benefits. You decide how much, they decide what works. So instead of offering a “one-size-fits-all” health and benefits package, you empower your employees to choose the combination of coverage that’s just right for them.

Under this policy, you will also be able to set up rules regarding where the money is spent. For example, you give your employees a monthly allowance of $350 and decide that $300 can be spent on health insurance, and $50 can be used for dental coverage, a vision plan, or other benefits. We make it easy for you to decide how to allocate the funds, and our decision support tools help your employees decide which plans work best.


Ancillary Products

When you create your private exchange, you will also gain access to a voluntary ancillary benefits platform similar to what Fortune 500 companies offer their employees.

For many small employers, it can be difficult to meet participation requirements that other ancillary plan providers have in order to offer quality employee benefits. These hurdles have been removed through the IFDA program. Additionally, many of the benefits offer special pricing.

As an employer, you can choose to contribute funds to help your employees cover the cost of the product. You also have the ability to remove any of product(s) you don’t wish to offer.

Dedicated Support

From basic questions to in-depth consultations, we know how important it is to be able to work with a real advisor who takes the time to develop specific knowledge about your needs and answer your questions. Our dedicated team of Benefits Counselors have helped thousands of individuals and are specially trained to provide both you and your employees with expert assistance with health plans, checking provider networks, prescription medication, billing errors, lost ID cards, confusing insurance jargon, and more!

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HR & Compliance Solutions

The Human Resources (HR) application is a powerful, multifaceted system that enables companies to automate and create more efficient HR processes.

Employee notifications and employer reporting are quickly and easily configurable and available anytime, anywhere with 24/7/365 access to the applications via web browser or mobile device.

Manage numerous scheduling and alert options to meet the evolving needs of your business making compliance easier for Social Security, Homeland Security, Department of Labor, and the ACA with time and attendance tracking.

Online Support tools

Ask Emma is much more than an interactive decision support tool. She represents a brand-new approach to benefits shopping, enrollment, and education, helping employees make more informed and personalized decisions across a range of benefits offerings.

Ask Emma guides employees through the buying process by asking a few simple questions and then suggests the plans that fit their individual needs. Unlike other tools on the market today, Ask Emma is fully integrated into the shopping and enrollment platform for a seamless consumer experience.

Ready to get started with your Quote?