OneBridge Benefits
OneBridge Benefits is a private Buffalo-based administrator of account-based health benefit plans, providing a proprietary YourWay platform for HRA, ICHRA, FSA, and HSA programs, serving mid-to-large employers, employees, and broker partners primarily in the Northeast US.
- Company typePrivate
- Founded2013
- HeadquartersBuffalo, United States
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What OneBridge Benefits does
OneBridge Benefits Inc. is a privately held, Delaware-incorporated benefits administration company founded in 2013 (originally as Empire Innovation Group, rebranded in 2018) and headquartered at 170 Franklin Street, Suite 700 in Buffalo, NY. The company operates a proprietary account-based health benefits platform under the YourWay brand, administering HRA, ICHRA, FSA, and HSA programs for employers and the employees they sponsor, with a self-described positioning as one of the country's largest administrators for account-based health benefit plans. Core products include YourWay ICHRA, YourWay HRA, YourWay FSA, YourWay HSA, the HRAgo mobile application (iOS and Android), the OneBridge Visa Benefits Card (issued by Bancorp Bank, N.A.), the Benefits WayFinder enrollment platform, and The OneBridge Agency white-glove enrollment service.
The underlying technology is a proprietary web-based platform that the company describes as the industry's first integrated recordkeeping and claims substantiation system, supporting real-time account updates, daily automated recordkeeping, employer- and participant-branded dashboards, single sign-on across HRA/FSA/ICHRA, and a smart stacked debit card that automatically assigns expenses to the appropriate account. Distribution occurs through two primary GTM motions: direct enterprise sales (VP of Sales & Marketing, dedicated account support, website contact forms targeting employers with 50+ employees in healthcare, transportation, and technology) and a broker/consultant channel that resells YourWay plans with reduced administration overhead.
The revenue model is predominantly subscription/recurring, driven by platform and administration fees on HRA, ICHRA, and FSA accounts, supplemented by professional services revenue from The OneBridge Agency enrollment team. Public pricing is not disclosed. OneBridge has completed approximately $2 million in disclosed growth-capital raises via Form D filings (2022 and 2023), employs between 11 and 50 staff, and has been recognized on the Buffalo Business First Fast Track list in 2018 and 2019. Named enterprise customers include NOCO, Mirabito Energy Products, Tapecon, Fox Run at Orchard Park, Beechwood Continuing Care, and E&V Energy, with documented cost-savings outcomes averaging 13% versus comparable group plans.
OneBridge Benefits firmographics
Firmographics- Name
- OneBridge Benefits
- Legal name
- OneBridge Benefits Inc.
- Website
- https://onebridgebenefits.com
- Company type
- Private
- Founded year
- 2013
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- OneBridge Benefits is a private Buffalo-based administrator of account-based health benefit plans, providing a proprietary YourWay platform for HRA, ICHRA, FSA, and HSA programs, serving mid-to-large employers, employees, and broker partners primarily in the Northeast US.
- Ownership category
- akta.pro rank
OneBridge Benefits industry classification
Industry- Product category
- Health Benefits Administration Software
- NAICS
- Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292), Health and Welfare Funds (525120)
- SIC
- Hospital & Medical Service Plans (6324)
- akta.pro primary industry
- Flexible Benefits Administration (FSA/HSA/HRA) (HLAEALAK)
- akta.pro secondary industries
- Benefits Administration (BPACAPAC), Benefits Administration & Enrollment Support (BPAAAIAB), Eligibility, Enrollment & Benefits Administration (HLAEALAH), Benefits Administration & Total Rewards Outsourcing (BPACAKAE)
Keywords
Where OneBridge Benefits is headquartered
LocationHeadquarters
- HQ city
- Buffalo
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
OneBridge Benefits business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- HRA Administration Services: Administration and management services for Health Reimbursement Arrangements including integrated HRAs, post-separation HRAs, and limited HRAs. Revenue generated through platform fees and administration charges.
- ICHRA Administration Services: Individual Coverage HRA administration including plan setup, enrollment support, recordkeeping, and compliance reporting. Core revenue stream from ACA-compliant ICHRA plan management.
- FSA Administration Services: Flexible Spending Account administration covering Health FSA, Limited Purpose Health FSA, and Dependent Care FSA. Includes debit card processing and claims reimbursement services.
- White-Glove Enrollment Services: Professional enrollment services through The OneBridge Agency, providing one-on-one consultations and supported enrollment for plan participants at no additional cost to employees.
Go-to-market motion3 records
Distribution channels4 records
Marketing channels7 records
OneBridge Benefits product offering
Product offeringCore offering
OneBridge Benefits provides a proprietary account-based health benefit administration platform (YourWay) that enables employers to offer HRA, ICHRA, FSA, and HSA plans to their employees. The platform integrates recordkeeping and claims substantiation in a single system, supported by the HRAgo mobile app, the OneBridge Visa Benefits Card, the Benefits WayFinder enrollment platform, and The OneBridge Agency white-glove enrollment service.
Product overview
OneBridge Benefits offers a unified suite of account-based health benefit products under the YourWay brand, including ICHRA, HRA, FSA, and HSA accounts. The core YourWay platform provides integrated recordkeeping and claims substantiation, supported by the HRAgo mobile app, OneBridge Visa Benefits Card, and Benefits WayFinder enrollment platform. Additional services include The OneBridge Agency for white-glove enrollment support. The company positions itself as the country's largest administrator of funded HRAs.
Differentiator
Problem solved
Functional benefit
Brands
- YourWay ICHRA: Individual Coverage Health Reimbursement Arrangement - a modern health benefit plan allowing employers to provide tax-free funds to employees for purchasing individual health insurance from community marketplaces.
- YourWay HRA
- YourWay FSA
- YourWay HSA
- HRAgo
- The OneBridge Agency
- Benefits WayFinder
- YourWay Portal
Products and services
- YourWay ICHRA Individual Coverage Health Reimbursement Arrangement that allows employers to contribute pre-tax funds for employees to purchase their own health insurance from community marketplaces. Targeted at employers seeking alternatives to traditional group health plans.
- YourWay HRA Health Reimbursement Arrangement that enables employers to provide tax-free funds for employees to cover out-of-pocket medical expenses, with optional investment features for future use. Supports Integrated HRA, Post-Separation HRA, and Limited HRA plan types.
- YourWay FSA Flexible Spending Account allowing employees to contribute pre-tax dollars for qualified healthcare or dependent care expenses. Includes Health FSA, Limited Purpose Health FSA, and Dependent Care FSA options.
- YourWay HSA Health Savings Account offered as part of the YourWay Benefit Accounts suite, providing tax-advantaged savings products for individuals with high-deductible health plans.
- HRAgo Mobile App Mobile application for iOS and Android that allows participants to manage their benefit accounts, submit claims, track reimbursements, view balances, and access real-time account information on the go.
- OneBridge Visa Benefits Card Smart stacked debit card that automatically withdraws funds from the appropriate benefit account (HRA or FSA) for qualified medical expenses. Issued by Bancorp Bank N.A. pursuant to a Visa U.S.A. Inc. license.
- The OneBridge Agency White-glove enrollment team providing one-on-one consultations and plan navigation support for ICHRA, HRA, and FSA participants at no additional cost to employees.
- Benefits WayFinder Proprietary enrollment platform enabling employers to offer employees a comprehensive benefit enrollment experience for reviewing, comparing, and selecting individual health insurance plans.
Quantifiable outcome
- 13% average cost savings on group plan comparable costs
- +4 more outcomes
Companies that use OneBridge Benefits
Customer profileNamed customers6 records
Segments4 records
Ideal customer profiles2 records
OneBridge Benefits technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature6 records
OneBridge Benefits partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Bancorp Bank, N.A.coreThe OneBridge Visa Benefits Card is issued by Bancorp Bank, N.A. pursuant to a license from Visa U.S.A. Inc. The card may be used for qualified expenses wherever Visa Debit Cards are accepted, providing integrated debit card functionality for all OneBridge-administered benefit accounts.
Scale indicators6 records
Recent moves9 records
Expansion highlights5 records
OneBridge Benefits competitors and assessment
Company assessmentEmerging players
- Take Command Health: Take Command is an ICHRA-focused administrator and technology platform serving small and mid-sized employers — overlapping with OneBridge's YourWay ICHRA offering and targeting the same niche ICHRA adoption wave.
- Gusto: Gusto is a fast-growing SMB HCM platform with growing benefits administration capabilities including HSA and FSA partnerships — an emerging adjacent player whose broader product roadmap overlaps portions of OneBridge's benefits admin scope.
Direct peers
- Further: Further is a direct competitor administering HRA, HSA, FSA, COBRA, and commuter benefit accounts through a unified tech platform for employers and brokers — overlapping directly with OneBridge's YourWay suite and core customer base.
- HSA Bank (Webster Bank): HSA Bank is one of the largest HSA custodians and also administers HRA and FSA accounts — a direct peer competing for the same employer accounts and broker relationships OneBridge targets.
- WEX Health: WEX Health (WEX Inc.'s benefits division) is a large-scale account-based benefit administration platform serving employers, TPAs, and health plans with CDH, HSA, HRA, and FSA solutions that directly compete with OneBridge's offering.
- DataPath: DataPath (a Sumitomo Mitsui company) administers HSA, HRA, FSA, and COBRA accounts for employers and TPAs nationally — competing head-to-head with OneBridge in account-based health benefit administration and broker channels.
- BPAS (Benefit Plan Administration Services): BPAS is a national TPA providing HSA, HRA, FSA, and VEBA administration alongside retirement plan services, frequently partnering with brokers — directly comparable to OneBridge's TPA-style account-based benefits model.
- Benefit Resource, Inc. (BRI): BRI administers FSA, HRA, HSA, COBRA, transit, and dependent care accounts for employers and brokers, with comparable debit card and participant portal offerings — a direct peer in mid-market account-based benefits administration.
Broad incumbents
- Paychex: Paychex provides SMB-focused payroll, HCM, and benefits administration including FSA/HRA solutions through its broker and direct channels — overlapping with OneBridge's mid-market employer segment as a broader suite competitor.
- ADP TotalSource / ADP Benefits Management: ADP is a broad incumbent HCM and benefits administration provider offering FSA, HRA, HSA, COBRA, and consumer-directed health administration at national scale — competing with OneBridge primarily through broker and mid-market channels where OneBridge also sells.
Market position
Strengths5 records
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
OneBridge Benefits social profiles
Digital presenceOneBridge Benefits financial estimates
Financial estimateRevenue estimate
Valuation estimate
OneBridge Benefits leadership team
Management profileNumber of profiles
Profiles12 records
OneBridge Benefits funding detail
Funding detailFunding overview
Funding rounds2 records
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
OneBridge Benefits M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about OneBridge Benefits
What does OneBridge Benefits do?
OneBridge Benefits provides a proprietary account-based health benefit administration platform (YourWay) that enables employers to offer HRA, ICHRA, FSA, and HSA plans to their employees. The platform integrates recordkeeping and claims substantiation in a single system, supported by the HRAgo mobile app, the OneBridge Visa Benefits Card, the Benefits WayFinder enrollment platform, and The OneBridge Agency white-glove enrollment service.
Is OneBridge Benefits a public or private company?
OneBridge Benefits is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was OneBridge Benefits founded?
OneBridge Benefits was founded in 2013. It employs 11 to 50 people.
Where is OneBridge Benefits based?
OneBridge Benefits is headquartered in Buffalo, United States, in the North America region.
How does OneBridge Benefits make money?
Four revenue lines are on record. HRA Administration Services are the primary driver. The others are ICHRA Administration Services, FSA Administration Services and white-Glove Enrollment Services.
Who are OneBridge Benefits's main competitors?
Emerging players on record are Take Command Health and Gusto. Direct peers are Further, HSA Bank (Webster Bank), WEX Health, DataPath, BPAS (Benefit Plan Administration Services) and Benefit Resource, Inc. (BRI). Broad incumbents are Paychex and ADP TotalSource / ADP Benefits Management.
Does OneBridge Benefits have an API?
No public API is recorded for OneBridge Benefits.
What industry is OneBridge Benefits in?
OneBridge Benefits's product category is Health Benefits Administration Software. Its primary akta.pro industry code is HLAEALAK, Flexible Benefits Administration (FSA/HSA/HRA), with a secondary code of BPACAPAC, Benefits Administration. Its NAICS code is 524292 and its SIC code is 6324.