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Individual Marketplace

Our Via Benefits individual marketplace helps employers and plan sponsors honor their healthcare commitments while reducing costs, risks and administrative burden.

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Via Benefits individual marketplace offers more than a traditional group health plan or group Medicare Advantage plan. For employers and plan sponsors the individual marketplace helps them from cost trends and utilization spikes, liability reduction and reduced administrative burden.

Our Via Benefits individual marketplace has helped millions of people find and enroll in individual health insurance coverage. Via Benefits, our fully owned and integrated solution, ensures the individual health insurance process is seamless and worry-free for employers, employees and retirees. Our expertise includes:

17 years of experience guiding employers, employees and retirees through the transition from group to individual coverage

130+ Fortune 500 companies use our individual marketplace

5 million applications for individual health insurance policies with over 100 carrier partners processed

98% participant satisfaction rate

$20 billion delivery of $20 billion dollars in reimbursements for individual health insurance premiums and out-of-pocket costs through our health reimbursement arrangement (HRA) services

Elevate your healthcare benefits

The cost of healthcare benefits looms larger than ever. Re-evaluating how healthcare benefits are delivered offers a major opportunity for employers and plan sponsors to continue to offer valuable health benefits while reducing spending and long-term liabilities. Our Via Benefits individual marketplace makes it possible to:

  • Reduce benefits costs
  • Improve sustainability
  • Mitigate risk
  • Honor your healthcare commitments to employees and retirees

Experience that counts

Your employees and retirees will enjoy access to the nation’s leading health insurance carriers and plans that suit their individual healthcare needs and financial situations, with guidance from our expert benefit advisors. Employers and plan sponsors can be confident that our individual marketplace, fine-tuned over two decades, will help you honor your healthcare commitments.

Exceptional experience

Since 2006, our licensed benefit advisors and online decision support tools have helped millions of retirees find the right health plan for their specific medical needs and budget. Our proven implementation process has enabled hundreds of organizations to transition their retirees successfully from group to individual healthcare coverage.

Unrivaled support for you

From program planning to execution and beyond, our team of experts is here to support you with time-tested implementation and communication procedures to help manage this change.

Guidance for your participants

We provide ongoing advocacy services with a focus on physical and financial wellbeing post-enrollment to help keep the path forward for your employees or retirees worry-free.

Consumer-like experience

Today’s employees and retirees expect a consumer-like experience when accessing their health benefits. We provide a user-centric experience that’s friendly, high-touch, accurate and thorough through the savvy use of technology that provides ease of use, flexibility, choice, personalization and on-demand information.

Individual coverage health reimbursement arrangement

Our individual coverage health reimbursement arrangement (ICHRA) solution offers you an effective alternative to traditional employee health insurance options. Instead of offering a one-size-fits-all group plan, our ICHRA solution can provide tax-free funding for all or specific segments of your employees to purchase health insurance that best meets their healthcare and financial needs on our individual marketplace.

Prior to recent government guidance, the Affordable Care Act (ACA) required employers to sponsor a traditional group health plan or face penalties. In 2020, ICHRAs were introduced as an option to help employers meet their ACA obligations.

By offering an ICHRA you can:

  • Eliminate claim risk and cost unpredictability
  • Reduce the administrative burden of designing and managing a group health plan
  • Empower employees to select from an array of portable ACA-governed individual health plans
  • Meet your ACA employer healthcare mandate responsibilities

Pre-Medicare retirees

Via Benefits helps you and your retirees maximize value through the public and private marketplace via our high-touch concierge service platform. As a web-enabled health insurance broker, we will partner with you to help pre-Medicare retirees find healthcare coverage that fits their specific needs and budget.

Medicare-eligible retirees

Our Via Benefits individual marketplace for Medicare-eligible retirees enables you (whether you’re an employer or plan sponsor) to honor your healthcare promise to Medicare-eligible retirees while reducing your costs – including other post-employment benefits (OPEB) liabilities – and administrative burden.

We can offer your retirees a wide array of affordable healthcare plans that fit their medical and financial needs. Additionally, our offerings typically provide them with equal or better healthcare benefits than they currently have at a lower cost.

Please note: Retiree Health Solutions are provided by Extend Health, Inc., and all insurance is offered through Extend Insurance Services, LLC. Extend Insurance Services, LLC is changing its d/b/a from Towers Watson's OneExchange to Via Benefits Insurance Services.

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Stevie Awards Recognition

The Individual Marketplace continues to provide award-winning customer service

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