About Us

SkylineLet’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 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, LLC’s, 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, and the dental/vision are also important parts that make your healthcare plan function smoothly.

Free Market Administrators, LLC (FMA) is a privately owned third-party administrator that specializes in manufacturing of products to satisfy the complex world of health care in an ever-changing environment. We tailor Medical, Prescription, Dental, and Vision plans that are both dynamic and adaptable to meet the needs of our brokers and their customers. We are committed to creating value for our broad client base of both fully insured major medical and self-funded clients. FMA continues to be a critical measure for which we have maintained the highest performance standards within the industry. FMA remains focused on not only exceeding the highest ethical standards in the industry, while upholding the utmost integrity for our clients, but also redefining the way our clients look at the world of health care benefits.

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.

Serve You Rx, your pharmacy plan pre-negotiates up to 80% of prescription drugs and your Careington Dental/Vision plan also negotiates its discounts on your behalf.