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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.

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A laptop displaying a financial dashboard titled Commission Payables, showing tables with agent names, commissions, approval status, various monetary amounts, and insights related to health plan sales through an FMO.
Four people sit around a table reviewing printed charts and graphs related to health insurance, with a laptop open nearby. Sunlight shines on the group as they discuss data and business documents for their agency.
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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.

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A minimalist, abstract design of overlapping translucent white cubes evokes the sleek precision of a modern health insurance agency, creating a geometric pattern with subtle shading and a clean appearance.

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.

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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.

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“e123 gave us control and clarity. We went from reactive problem-solving to a system that drives growth.”

Picture of Alisa Hester

Alisa Hester

VP, Distribution Operations

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Expert insights for health insurance distribution

Grow with confidence and stay ahead with the latest resources and insights for health insurance distribution.

Three people sit together, smiling and talking while holding notebooks and papers, suggesting a collaborative meeting or discussion about health plan compliance risk in a bright, modern office setting.
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Let’s build your growth engine

Schedule a demo and see why leading health plans have trusted e123 for 25 years.

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Get a personalized walkthrough of how e123 simplifies enrollment, accelerates quoting, and empowers your agents to sell more, faster.

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Get a personalized walkthrough of how e123 simplifies enrollment, accelerates quoting, and empowers your agents to sell more, faster.

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