Empowered Margins

What Empowered Margins does

Empowered Margins (Empowered Margins, Inc.) is a privately held, bootstrapped US-headquartered data management and software company founded in 2014 that builds vertical-specific SaaS products and integration services for the insurance, associations, and healthcare markets. Its flagship insurance offering, DataHub.Insure (launched 2024), is an underwriting automation platform that bundles six proprietary modules—SmartExtractor™, SmartRules Engine™, SmartPlan™ Comparison, SmartProposal™ Generator, SmartAudit™, and an AI UW Assistant—designed to compress census ingestion, pricing logic, plan comparison, proposal generation, enrollment auditing, and underwriting summarization for carriers, brokers, MGUs, and underwriters. Its healthcare offering, Frisco (launched 2023), is a SaaS Electronic Healthcare Record platform purpose-built for Intellectual and Developmental Disabilities (IDD) agencies, automating CFC and EVV compliance, Medicaid billing, and client care workflows.

The broader product portfolio extends to associations (Empowered Directory, Empowered Expertise, Empowered Integrations, AMS migrations and synchronizations for YourMembership, Mailchimp, MOODLE, and Intacct) and to cross-vertical infrastructure including Empowered Warehouse (proprietary data warehouse), Empowered Search, Empowered Docs, Empowered Surveys (Qualtrics, SurveyMonkey, WorldApp, Checkbox, Data Benchmarking integrations), and Empowered Intercept (cybersecurity). The company reports a global delivery organization of roughly 50 developers across Colorado Springs, CO (HQ) and Noida, India (engineering), with stated experience spanning 49+ SSO implementations, 52+ AMS integrations, 97,128+ employee benefits surveys completed, 38,000+ insurance quotes generated, and 4.3M+ policyholder claims analyzed, alongside named customers including Blue Cross Blue Shield of Nebraska, GuideStone, Milliman, American Medical Writers Association, Starkweather Association Services, WERC, NFSA, Karuna Care, and Megan's Place.

Empowered Margins monetizes through two streams: (1) recurring annual SaaS subscriptions for DataHub.Insure and Frisco, sold on a quote-based enterprise model with demo and trial offers, and (2) consulting, engineering, and integration services delivered under master services agreements on a work-order basis, often white-labeled, covering PEOs, MEWAs, level-funded groups, ICHRAs, Medicare Advantage, and ancillary benefits. The company targets a hybrid GTM combining enterprise field sales with product-led self-service, supported by content marketing, ASAE conference presence, and LinkedIn thought leadership. Certifications include ISO 27001, HIPAA, SOC 2 Type 2, PCI DSS, and GDPR, which together support its positioning with regulated insurance and healthcare buyers.

Name

Empowered Margins

Legal name

Empowered Margins, Inc.

Website

https://empoweredmargins.com

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

1–10 employees

Short description

Empowered Margins is a privately held, bootstrapped data management and SaaS company serving insurance, associations, and IDD healthcare buyers with proprietary platforms (DataHub.Insure, Frisco) plus consulting and integration services delivered by ~50 developers across the US and India.

Ownership category

akta.pro rank

Product category

Insurance Underwriting Automation Software

NAICS

Custom Computer Programming Services (541511), Software Publishers (5132), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518210)

SIC

Services-Computer Programming, Data Processing, Etc. (7370), Services-Prepackaged Software (7372), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Policy Administration, Underwriting & Rating Platforms (Core Insurance SaaS) (FSAGAGAB)

akta.pro secondary industries

Customer Engagement, CRM & Agent/Broker Enablement Platforms (FSAGAGAD), OCR, ICR & Intelligent Document Processing (IDP) (BPAAAKAB), Data Strategy & Governance Services (BPAEAHAA)

Keywords

• Insurance underwriting automation
• EHR solutions IDD agencies
• Data warehousing services
• Association management integrations
• AI-powered underwriting software

Headquarters

HQ city

Colorado Springs

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Product Licensing (SaaS): Recurring subscription revenue from proprietary SaaS platforms including DataHub.Insure for insurance underwriting automation and Frisco for healthcare EHR solutions.
2. Consulting & Engineering Services: Hands-on consulting and engineering services for operational efficiency, system implementation, and custom development for PEOs, MEWAs, level-funded groups, ICHRAs, Medicare Advantage, and ancillary benefits.
3. Integration Services: Survey platform integration services and AMS integration work, often delivered under Master Services Agreements on a Work Order basis, including white-labeled implementations.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels4 records

Core offering

Empowered Margins develops and sells proprietary SaaS data management and automation platforms, principally DataHub.Insure (an AI-powered underwriting automation platform for insurance carriers, brokers, and MGUs) and Frisco (an EHR SaaS solution for IDD healthcare agencies). The company also delivers hands-on consulting, engineering, and integration services for associations, PEOs, MEWAs, level-funded groups, ICHRAs, Medicare Advantage, and ancillary benefits, supported by a broader portfolio of Empowered-branded data, search, security, directory, and document products.

Product overview

Empowered Margins operates as a data management company offering a portfolio of proprietary products and integration services across three core verticals: insurance, associations, and healthcare. The flagship insurance product is DataHub.Insure, an underwriting automation platform featuring six AI-enabled sub-products: SmartExtractor (AI-powered data extraction), SmartRules Engine (automated pricing logic), SmartPlan Comparison, SmartProposal Generator, SmartAudit, and AI UW Assistant. In healthcare, the company offers Frisco, a SaaS-based Electronic Healthcare Record (EHR) solution for IDD agencies covering compliance, billing, and client care. The general product suite includes Empowered Warehouse (data warehousing), Empowered Search (internal search), Empowered Intercept (cybersecurity), Empowered Surveys (survey platform integrations), Empowered Directory (association member directory), Empowered Docs (document management), and Empowered Integrations (system connectivity). The insurance vertical also includes Benefit Positioning System, Plan Data Hub, Plan Design Calculator, Healthplan Analytics, and Master Survey Database. All products are supported by the company's global team of approximately 50 developers across Colorado Springs and Noida, India.

Differentiator

Problem solved

Functional benefit

Brands

• DataHub.Insure: Proprietary underwriting automation platform for carriers and MGUs featuring SmartExtractor, SmartRules Engine, SmartPlan Comparison, SmartProposal Generator, SmartAudit, and AI UW Assistant.
• Frisco

Products and services

• DataHub.Insure Proprietary underwriting automation SaaS platform enabling insurance carriers and MGUs to extract census data, automate pricing logic, compare plan options, generate proposals, audit enrollments, and receive AI-driven underwriting summaries. For group health, Medicare Advantage, and ancillary benefits underwriting teams.
• Frisco SaaS Electronic Healthcare Record (EHR) solution for Intellectual and Developmental Disabilities (IDD) agencies, managing Community First Choice (CFC) and Electronic Visit Verification (EVV) compliance, Medicaid billing, and client care workflows.
• Empowered Warehouse Proprietary data warehousing solution that aggregates and compares structured data from multiple sources using proprietary algorithms to enable business intelligence without sacrificing accuracy.
• Empowered Search Fully indexed, self-categorizing internal search solution supporting daily uploads, data filters, fine-tuned algorithms, and embedded displays for fluid enterprise search environments.
• Empowered Intercept Cybersecurity service offering vulnerability scans, server/hosting security, application security with MFA, penetration testing, deep packet inspection, encryption, and XSS/CSRF attack prevention, mapped to ISO 27001, PCI DSS, SOC, and HIPAA frameworks.
• Empowered Surveys Survey platform integration service that helps technology providers accelerate customer adoption by integrating survey tools such as Qualtrics, SurveyMonkey, WorldApp, Checkbox, and Data Benchmarking into their platforms.
• Empowered Directory Member directory solution for associations that enables enhanced member engagement, outreach, and retention.
• Empowered Expertise Solution for associations to make expertise and specialist knowledge accessible to their members.
• Empowered Docs Document management solution enabling secure handling, storage, and retrieval of documents within the Empowered product ecosystem.
• Empowered Integrations Integration platform connecting survey platforms, AMS, accounting, LMS, and other systems to enable data flow and interoperability across association technology stacks.
• Benefit Positioning System Insurance solution for positioning and analyzing benefit offerings within the Empowered Insurance product suite.
• Plan Data Hub Data management solution for consolidating and analyzing insurance plan data across the underwriting workflow.
• Plan Design Calculator Tool for designing and calculating insurance plan structures and costs.
• Healthplan Analytics Analytical capabilities for health plan data to support underwriting decisions and strategy.
• Master Survey Database Comprehensive survey data repository supporting the insurance underwriting and benefit analysis process, built on tens of thousands of company surveys.

Quantifiable outcome

• 50% reduction in caseworker paperwork time, shifted to participant engagement
• +3 more outcomes

Named customers10 records

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration16 records

AI capability11 records

Feature8 records

Scale indicators7 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Cytora: AI-driven commercial insurance data extraction and risk digitization platform. Comparable to SmartExtractor and the broader DataHub.Insure data ingestion and structuring capability.
• Planck: AI-powered commercial insurance data platform providing underwriting intelligence from public and proprietary sources. Comparable to DataHub.Insure's predictive analytics and AI UW Assistant capabilities for carrier underwriting.
• MediSked: IDD and HCBS agency EHR, case management, and billing platform serving providers and state agencies. Comparable to Frisco's IDD agency EHR, Medicaid billing, and compliance automation offering.
• Therap Services: Leading EHR and case management platform purpose-built for Intellectual and Developmental Disabilities (IDD) agencies, with deep Medicaid, EVV, and HCBS compliance coverage. Direct comparable to Frisco.
• Convr: AI-powered commercial insurance underwriting and risk intelligence platform serving carriers and MGUs. Most direct comparable to DataHub.Insure's AI underwriting automation for group benefits and commercial lines.
• Federato: AI underwriting platform purpose-built for insurance carriers and MGUs with portfolio-level risk selection. Comparable to DataHub.Insure as an AI-native underwriting automation platform for specialty and group lines.
• Talage: Insurance underwriting workflow automation platform targeting small commercial and MGUs. Highly comparable to DataHub.Insure's focus on automating quote-to-bind workflows for underwriters and brokers.

Emerging players

• Hyperexponential: Pricing and underwriting decision platform for specialty and commercial insurance carriers using AI. Comparable to SmartRules Engine and SmartPlan Comparison's pricing automation logic within DataHub.Insure.

Broad incumbents

• Applied Systems: Major insurance agency management system provider serving brokerages and carriers globally. Comparable as a broad incumbent whose AMS offerings overlap with Empowered Margins' carrier and broker workflow automation focus.
• Vertafore: Largest US insurance agency and carrier technology provider offering AMS, rating, and workflow tools. Comparable as a broad incumbent overlapping with DataHub.Insure's carrier/MGU workflow automation focus.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/emargins
• Facebookfacebook.com/EmpoweredMargins

Compliance7 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Empowered Margins