The growth engine for health plan sales distribution
Health plans have spent decades optimizing for operations — not growth. e123 supercharges your sales distribution channel by eliminating front-office friction and turning your agent broker network into a true growth engine.
Challenges health plans face
Sales, Operations, Finance, and Compliance all work in different tools, creating silos, data inconsistencies, and slower decision-making.
Commission leakage
Up to 20% of commissions vanish in manual processes, overrides, and disputes. That’s millions lost, and a fast track to agent dissatisfaction.
Limited downline visibility
Without a single source of truth, it’s hard to track performance, identify growth opportunities, or understand where revenue leaks occur.
Unrealized growth
Complex and slow onboarding make health plans harder to do business with, leading to disengaged producers and missed sales.
The e123 solution for health plans
We give health plans the technology and tools to transform their existing sales distribution channel into a profitable growth engine.
Abacus: Agents. Brokers. Commissions.
Unify agents, brokers, and commissions into one configurable front-office platform that turns operational friction into growth momentum.
NeuroNet™ hierarchy engine
Accurately model even the most complex commission structures and downlines — ensuring transparency, precision, and faster payouts.
Smarter data for strategic growth
Connect agent, policyholder, and product data to uncover actionable insights — helping you find new market opportunities and improve member outcomes.
Purpose-built for health insurance
Unlike other tools, e123 is the only solution designed to address health insurance complexities.
Why health plans choose e123
For decades, e123 has been powering sales distribution for health plans, carriers, and field marketing organizations (FMOs). From national carriers to regional health plans, we help you accelerate performance, eliminate front-office friction, and gain complete visibility across your agent broker networks.
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.




























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.
- Insurance Innovation
Let’s build your growth engine
Schedule a demo and see why leading health plans have trusted e123 for 25 years.