Health plans have spent decades optimizing for operations and not growth.
Disconnected systems, manual commission processes, and inconsistent reporting have left Sales,
Operations, and Finance teams working in silos, while agents and brokers are disengaged and frustrated.
While the industry has perfected claims, billing, and compliance systems, when it comes to managing agents, brokers, and commissions, it’s still mainly spreadsheets, workarounds, and outdated tools.
At e123, that’s the problem we set out to solve with Abacus — our next-generation solution built to eliminate front-office friction and turn your agent broker network into a true growth engine.
In every health plan, the front office is where growth begins — contracting, onboarding, commissions, compliance, and agent engagement. Yet, these workflows are often the most fragmented.
When each department operates in a different system, errors multiply:
The result? Discouraged producers, missed revenue, and slower enrollment growth. Abacus changes that.
“Health plans have spent decades perfecting claims and billing,” said Brendan McLoughlin, President of e123. “But there’s never been a system designed to manage growth. Abacus fixes that. It’s where every department that touches distribution finally connects in one place.”
Abacus unifies agents, brokers, and commissions into one configurable platform built specifically for health insurance.
Instead of relying on separate tools for onboarding, payouts, and compliance, Abacus gives health plans a single source of truth where every transaction, every hierarchy, and every relationship is connected.
With Abacus, you can:
✅ Manage every aspect of agent, broker, and FMO relationships in one front-office system
✅ Gain real-time visibility and transparency across your entire distribution channel down to the agent
✅ Reduce calls, complaints, and compliance risk with shared data integrity
✅ Motivate producers and accelerate growth by being easier to do business with
This is how health plans move from operational efficiency to growth excellence.
“Our customers didn’t need another point solution. They needed an easy button — one platform that wraps around their existing tech or becomes that tech. Abacus is that button.” - Kyle Mitchell, Head of Product at e123.
Purpose-Built for Health Insurance
Unlike homegrown or existing point solutions, Abacus is the only platform designed specifically to address health insurance complexities.
With 25 years of health insurance technology experience, more than 200 clients, and 21M+ member records, e123 has a proven record of handling scale, compliance, and growth all in one system.
Abacus includes six integrated modules that give health plans the control and clarity to operate with confidence:
Each module works together to connect every part of your distribution channel, making your organization easier to work with and easier to grow.
“We hear the same story again and again. Health plans are running on old systems — sometimes built 15 years ago — and none of them talk to each other. Abacus brings it all together in one place so teams can stop firefighting and start focusing on growth.” - Kyle Mitchell
Technology That Drives Growth for Health Plans
At the core of Abacus is NeuroNet™, e123’s proprietary hierarchy engine.
It models real-world commission structures with accuracy that traditional ERP or commission systems can’t replicate — supporting complex overrides, multi-level hierarchies, and real-time payout validation.
“Distribution in health insurance isn’t simple,” said Kyle. “An agent can sell one product through one FMO and a different product through another. NeuroNet models those intricacies across products, time, and relationships — without duplication or confusion.”
That accuracy drives trust across every level of your organization. Agents see what they’ve earned. Finance sees what’s been paid. Compliance sees what’s approved. Everyone operates from the same source of truth.
When transparency replaces guesswork, growth becomes predictable.
“When everyone sees the same data, trust goes up — and growth follows. That’s how we turn distribution into a strategic advantage.” - Brendan
Smarter Data. Stronger Growth.
Abacus doesn’t just automate workflows. It unlocks the data behind them.
By connecting agent, policyholder, and product data, Abacus helps carriers find new opportunities that were previously buried in spreadsheets.
“Most plans are sitting on a mountain of meaningful data,” Kyle explained. “They just can’t open it up or act on it. Abacus turns that data into insight — and that insight into growth.”
With cleaner data, teams can finally answer questions like:
When data becomes actionable, you move from reactive operations to proactive growth.
Abacus was built on a modern, microservices architecture that is flexible, secure, and scalable to evolve with your business.
“AI isn’t just a buzzword. It’s already helping us learn and iterate faster. Because Abacus was built from the ground up, we can bake in AI natively — not bolt it on later. That means the platform can evolve as the market evolves.” - Kyle Mitchell
Whether it’s smarter agent recommendations, predictive commissions, or automated compliance checks, Abacus was designed to support tomorrow’s workflows — today.
At e123, we didn’t just build Abacus for the industry. We built it with the industry.
Kyle and the product team spent months with health plans and carriers, observing how people work and co-creating the experience with them.
“We call it full-contact product design. You can’t fix what you don’t understand. We watched, listened, and built side by side with the people doing the work every day.” - Kyle Mitchell
That approach made Abacus human — intuitive to use, fast to deploy, and flexible enough to meet each plan where it is.
Abacus officially launched at the Texas Association of Health Plans (TAHP) Annual Conference, where health plan leaders got a first look at how e123 is transforming the future of distribution.
“Technology should simplify growth, not slow it down. Abacus helps carriers expand, engage, and elevate their distribution networks — turning sales friction into fuel.” - Brendan McLoughlin
To see how Abacus can help your organization eliminate friction and unlock growth:
👉 Request a Demo