Built to power health insurance distribution
e123 transforms how health plans and FMOs manage commissions and distribution management. Become easy to do business with and get the best agents to grow your business.
Health Plans & Carriers
Navigate the complexities of health insurance sales with intelligent technology built to help you grow.
FMOs & Distributors
Uncover hidden revenue opportunities with powerful commission technology designed to accelerate sales.
The e123 value
Accurate, timely commissions
Stop commission leakage and pay accurately.
Data that fuels growth
Turn commissions into insights for recruiting and retaining top agents.
Distribution at scale
Leverage a multidimensional hierarchy to manage downlines and agents with confidence.
Compliance ready
Gain transparency and reduce risk with built-in oversight.
The growth engine for health insurance
One scalable platform unifying agents, brokers, and commissions to accelerate performance from the inside out. As the single source of truth for your organization, Abacus removes the friction from agent sales, giving you the clarity, control, and confidence necessary to unlock growth across your entire sales distribution network.
Drive impact across teams
Enable teams across Sales, Operations, Finance, Compliance, and IT to work from the same source of truth and become better aligned for growth.
Deliver connected workflows
From onboarding to commissions, Abacus seamlessly unifies every workflow that touches your agents without disconnected tools or messy handoffs.
Simplify complexities
Our proprietary NeuroNet™ intelligence layer handles the complexity behind the scenes, reconciling relationships, overrides, and calculations in real-time.
Success Stories
How we measure success
At e123, success is measured by the impact we deliver to your distribution network and bottom line:
65% fewer commission errors
Reduce manual work and payout disputes, keeping agents loyal and engaged.
2x faster payout
Move from weeks to days, improving agent satisfaction and strengthening your reputation as a carrier of choice.
30% increase in distributor retention
Use commission insights to build stronger relationships, retain top partners, and recruit new ones.




























Trusted by the health insurance industry
Billions
in Premiums
Success stories
National Plan – Commercial Group Insurance
A national health plan needed to grow agent distribution and enable bundled sales across multiple products, while managing readiness and commissions efficiently.
e123 centralized agent contracting, onboarding, and commission workflows in Abacus to support multi-product selling and reduce manual touchpoints. This resulted in an expanded agent footprint and increased product-per-member ratios through smarter bundling and channel management.
Regional Plan — Medicaid to Medicare Advantage Transition
A regional plan was anticipating reduced Medicaid funding and needed to pivot toward Medicare Advantage (MA), but lacked front-office capabilities to support agent engagement and competitive growth.
Through e123’s Abacus solution, the plan was able to modernize agent onboarding, streamline appointment tracking, and ensure MA-readiness without disrupting existing back-end operations. This helped position the plan to enter MA confidently with the tools needed to recruit, engage, and retain agents in a more competitive landscape.
Regional Plan — Medicare Advantage Growth
A regional plan struggled to hit aggressive Medicare Advantage enrollment targets, with fragmented agent workflows, low visibility into performance during the annual enrollment period (AEP), and inconsistent commission structures slowing growth.
They partnered with e123 to implement Abacus to unify agent workflows, automate commissions, and provide real-time performance insights, enabling the plan to identify high-impact opportunities and pivot quickly during AEP. The plan ended up exceeding AEP enrollment goals by 150% of forecast, driven by improved agent productivity, better targeting, and faster decision-making. Moreover, this success established a repeatable growth model for future enrollment periods.
“e123 gave us control and clarity. We went from reactive problem-solving to a system that drives growth.”
Alisa Hester
VP, Distribution Operations
Expert insights for health insurance distribution
Grow with confidence and stay ahead with the latest resources and insights for health insurance distribution.
Expert insights for health insurance distribution
Grow with confidence and stay ahead with the latest resources and insights for health insurance distribution.
Expert insights for health insurance distribution
Grow with confidence and stay ahead with the latest resources and insights for health insurance distribution.
Empowering Agents
On a scale from 1 to 10, how important is tech-enabling agents?
Resource Allocation
How much should an FMO or Agency spend on distribution technology?
The Data Dilemma
How can I get reliable data?
Tech Strategy
How do I decide where to use technology first?
Future Glimpse
What will Medicare Products look like in 2030?
Competitive Edge
Isn't it a competitive advantage to build our own technology platform?
ICMG Keynote Panel Discussion: The Future of Health Insurance Marketing
How Technology and the Right Data Can Enhance Insurance Marketing Amid New Trends and Regulations
Transforming Insurance Distribution for the Future
At e123, We believe that connecting the right person with the right plan not only results in better health outcomes for members and their families, but is the single most critical factor in how carriers and distributors create more value.
We’re on a mission to transform the way insurance is sold through intelligent technology that provides visibility and reduces friction so our customers can focus on delivering exceptional member value.
Supercharge your most valuable distribution channel
Schedule a demo today and see why leading health plans and FMOs trust e123 to optimize their agent broker network.