About Us

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Let’s talk about great health care, simplicity, savings, and freedom. Let’s see how this works and introduce you to the SB/A Cooperative.

Today’s health benefits landscape is more challenging than ever before. Companies of all sizes and types, from 1099 contractors up to medium size corporations are making the switch to add affordability, flexibility, and customizable health benefit options for themselves and their employees.

The FMA Freedom Select Plans are sponsored by the Small Business Agency Cooperative (SB/A CoOp).  The SB/A CoOp is a Non-Profit “Agency” Cooperative Corporation that does not buy or sell products or services but acts as the “Legal Collective Agent” of all the Cooperative Members to facilitate advantageous contractual relationships for and between the members. The SB/A CoOp may legally “aggregate” self-employed individuals (working 16 hours or more per week) and small and large employers together without becoming a Multiple Employer Welfare Association (MEWA) or acting as a Multiple Employer Trust (MET).

There are components that allow the Small Business Agency Cooperative to develop and sponsor the FMA Freedom Select Plans. ERISA is the Federal Law that sets the standards and regulates approximately 60% of private and public sector industry health care plans.

The Small Business Agency (SB/A) as defined above, is a specific marketplace where employers and their employees, sole proprietorships, 1099 contractors, LLCs, and direct sales distributors can become members and access the marketplace which offers the FMA Freedom Select Plans.

The plan administrator is the bedrock and handles premiums and adjudicates claims; the prescription pharmacy is also an important part that makes your healthcare plan function smoothly.

Free Market Administrators (FMA)  provides third-party (TPA) administration for self-insured or fully insured companies, either directly or through our partnerships. This results in a high level of flexibility for clients and their brokers engaged in innovative benefit plans. FMA coordinates entire benefit plans including medical, pharmacy benefit management, telemedicine, COBRA, MEC, level-funded programs, wellness, HSA/HRA, and compliance assistance.

SB/A CoOp has contracted the best partners. The plan administrator has negotiated low provider rates for hospitals, physicians, urgent care centers, and clinics throughout the USA.

Since 1987, Serve You Rx has been the pharmacy benefit manager (PBM) of choice for employee benefits brokers and consultants, their clients, including employers, unions, coalitions, and governmental entities, as well as third-party administrators who are looking for a valuable partner to effectively manage prescription drug costs. Serve You Rx pre-negotiates up to 80% of prescription drugs.