EMI Health

Name

EMI Health

Legal name

EMI Health

Website

https://emihealth.com

Company type

Private

Founded year

1935

Operating status

Operating

Headcount range

51–100 employees

Ownership category

akta.pro rank

Product category

Health Insurance

NAICS

Direct Health and Medical Insurance Carriers (524114), Direct Life, Health, and Medical Insurance Carriers (52411), Health and Welfare Funds (525120)

SIC

Hospital & Medical Service Plans (6324), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Large Group Health Insurance (Mid-Market & National Accounts) (FSAIAFAE)

akta.pro secondary industries

Self-Funded (ASO) Group Health Plans & Stop-Loss (FSAIAFAB), Individual Health Insurance Administration (TPA/ASO) (FSAIAEAK), Ancillary Benefits TPA (Dental/Vision/Life/Accident/Critical Illness) (HLAEALAN), Eligibility, Enrollment & Benefits Administration (HLAEALAH), Benefits Administration (BPACAPAC)

Keywords

• Health insurance plans
• Dental insurance coverage
• Vision insurance plans
• Medicare supplement insurance
• Employee benefits administration

Headquarters

HQ city

Murray

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Health Insurance Premiums: EMI Health generates revenue through insurance premiums paid by employers and individuals. The company offers medical, dental, vision, and telemedicine plans with various funding options including fully-insured, self-funding/ASO, and level-funded mechanisms. Premium payments are recurring on a monthly or annual basis.
2. Medicare Supplement Plans: Revenue from Medicare Supplement (Medigap) Plan G products sold in Utah and Arizona, as well as Group Medicare MSA plans available nationwide.
3. Federal Marketplace Plans: Dental and vision plans offered through the Federal Health Insurance Marketplace, generating revenue from individual consumers who may qualify for federal subsidies.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

EMI Health is a nonprofit health insurance carrier offering medical, dental, vision, and telemedicine plans to employer groups, individuals and families, and seniors across multiple U.S. states. The company provides fully-insured, self-funded/ASO, and level-funded group plan options for employers, individual and family plans direct and via the Federal Marketplace, and Medicare Supplement (Medigap) and Group Medicare MSA products for seniors. Value-added services include $0 copay EMI TeleMed, BeWell wellness platform with WebMD, Lyra mental health services, pharmacy benefit management through Express Scripts, and access to Cigna PPO, Aetna PPO, and Intermountain Healthcare provider networks.

Product overview

EMI Health is a full-service health insurance carrier offering a comprehensive portfolio of products across multiple segments. The core offerings include Group Medical Plans with integrated dental, vision, and telemedicine options; Individual & Family Dental & Vision Plans sold directly and via Federal Marketplace; and Senior Products including Medicare Supplement (Medigap) Plans and Group Medicare MSA Plans. The product portfolio also includes wellness programs through the BeWell digital platform with WebMD, mental health services via Lyra Health, and EMI TeleMed for virtual care. The ecosystem is supported by mobile app, provider networks (Cigna PPO, Aetna, Intermountain Healthcare, VSP), and pharmacy benefit management through Express Scripts. EMI Health has been serving the Intermountain West since 1935 with products available in multiple states.

Differentiator

Problem solved

Functional benefit

Brands

• EMI TeleMed: Virtual telemedicine service providing access to U.S. board-certified doctors through Recuro Health
• EMI Health Group MSA
• BeWell Platform
• EMI Central
• Lyra Health

Products and services

• Group Medical Plans Medical insurance plans for employer groups offering a variety of coverage options including self-funding/ASO and level-funded mechanisms, with integrated dental, vision, and telemedicine components.
• Individual and Family Dental and Vision Plans Affordable dental, vision, and telemedicine plans for individuals and families without employer-sponsored coverage, sold directly through emihealth.com and via the Federal Marketplace.
• Medicare Supplement (Medigap) Plans Medigap Plan G plans that cover the deductibles, coinsurance, and the 20% of medical expenses Medicare does not cover. Currently sold in Utah and Arizona.
• Group Medicare MSA Plans Group Medical Savings Account plans for active employees 65 and older and retirees. Available nationwide and integrated with AI-driven primary care services through Fenyx Health and RevDoc.
• Senior Dental Plans Dental coverage plans for seniors including Senior Choice PPO High, Senior Choice PPO Low, and Senior Advantage Copay plans with 100% preventive coverage and no waiting periods.
• Senior Vision Plans Senior VSP 10-210 vision plan covering well-vision exams, glasses or contacts, with discounts on lens enhancements and LASIK procedures.
• Federal Marketplace Dental Plans Dental insurance plans available through the Federal Health Insurance Marketplace (healthcare.gov) in multiple states including Arizona, Florida, Georgia, Michigan, Nevada, Ohio, Idaho, Pennsylvania, Texas, and Utah. Consumers may qualify for federal subsidies.
• EMI TeleMed $0 copay telemedicine service providing 24/7 access to U.S. board-certified doctors via phone consultation through Recuro Health, covering evaluation, diagnosis, and treatment for many common conditions.
• Lyra Mental Health Services Virtual and in-person mental health coaching and therapy through Lyra Health, providing personalized support for stress, anxiety, depression, substance abuse, and relationship challenges. Sessions are billed through the health plan at in-network outpatient mental health cost-sharing rates.
• Hearing Aid Discount Program Discount program in partnership with My Hearing Centers providing up to 60% discounts on hearing products for seniors.
• BeWell Wellness Platform Digital wellness platform powered by WebMD Health Services providing personalized health data display, healthy habit tracking, challenges, rewards, wellness coaching, and access to health articles, videos, and podcasts.

Quantifiable outcome

• Members can save 52% or more on dental costs through negotiated network rates compared to standard billed amounts
• +2 more outcomes

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

AI capability4 records

Feature2 records

Partnerships

14 partnerships are on record, tiered core and minor.

• Fenyx HealthcoreStrategic or Co-development Partner · 9 June 2026RevDoc announced a strategic partnership with Fenyx Health to deliver AI-driven primary care services to Medicare Advantage Medical Savings Account (MSA) members nationwide. The partnership provides RevDoc's AI-enabled platform to Fenyx Health's Medicare Advantage MSA plans, including those administered for Select Health and EMI Health Group. The platform combines connected devices, wearable integrations, facial-scan health indicators, and aggregated health records from over 400 EMRs to create dynamic risk profiles.
• Lyra HealthcoreStrategic or Co-development PartnerEMI Health partnered with Lyra Health to provide virtual and in-person mental health coaching and therapy for members. Lyra provides personalized health coaching and therapy for adults via live video or in person, addressing issues such as stress, anxiety, depression, substance abuse, and relationship challenges. Sessions are billed through the health plan at in-network outpatient mental health cost-sharing rates.
• WebMD Health ServicescoreTechnology or IntegrationEMI Health partnered with WebMD Health Services for the BeWell wellness platform, tobacco cessation program, and health coaching services. WebMD provides personalized health coaching, wellness resources, articles, videos, podcasts, and daily wellness tips through their coaches' Instagram page. The BeWell platform displays members' health data and personalized resources based on their health profile.
• Recuro HealthcoreTechnology or IntegrationEMI TeleMed through Recuro Health provides all EMI Health medical plan members with access to U.S. board-certified doctors over the phone or video consultation. The service offers $0 copay virtual care with 24/7 access, 365 days a year. Recuro Health physicians can provide evaluation, diagnosis, treatment (including prescriptions) for many common conditions.
• VSP Vision CarecoreTechnology or IntegrationEMI Health partnered with VSP, an award-winning national vision network, for all vision plan members. VSP provides access to a broad network of eye care providers for well-vision exams, glasses, contacts, and discounts on lens enhancements and LASIK.
• VASA GymminorGTM or Marketing PartnerEMI Health offers members a discount on VASA gym passes valid at all 45 VASA Gym locations. This wellness benefit helps members access fitness facilities at reduced rates.
• My Hearing CentersminorGTM or Marketing PartnerEMI Health partnered with My Hearing Centers to provide members with up to 60% discounts on hearing products through the senior hearing aid discount program.
• Select HealthcoreOthersSelect Health administers Medicare Advantage MSA plans for Fenyx Health, with RevDoc's AI-driven platform made available to Select Health members through the Fenyx Health partnership.
• Senior Benefits Insurance Services (SBIS)coreChannel Partner/ Reseller/ DistributorEMI Health partners with Senior Benefits Insurance Services (SBIS) for the distribution of Medicare and senior plans. SBIS agents are well-versed in EMI Health's senior plans and Medicare plans, serving as a resource for Medicare education and helping seniors add EMI Health plans to supplement their Medicare coverage.
• Cigna PPO NetworkcoreTechnology or IntegrationEMI Health offers the Cigna PPO network (including National PPO and Local Plus options) for members in all states, serving as the primary or secondary network option for out-of-state and traveling members.
• Aetna National PPO NetworkcoreTechnology or IntegrationEMI Health offers the Aetna National PPO network of hospitals and providers for members in Arizona, Texas, and Georgia, in addition to the Cigna PPO option.
• Intermountain Healthcare NetworkcoreTechnology or IntegrationIn Utah, EMI Health is contracted directly with the Intermountain Healthcare network of hospitals and providers. This direct relationship is a key differentiator for EMI Health's local presence in Utah.
• Magellan RxcoreTechnology or IntegrationEMI Health partnered with Magellan Rx for pharmacy benefit management, including robust wellness programs incorporated into medical plans with free biometric screenings and other health management services.
• Hope HealthminorGTM or Marketing PartnerEMI Health partnered with Hope Health for a monthly wellness newsletter distributed to members, containing health tips and wellness information.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Humana: Humana is a leading national Medicare Advantage and Medicare Supplement carrier. It is the most direct large-carrier threat to EMI Health's senior product expansion, particularly Group Medicare MSA where EMI Health is building a national footprint with Fenyx Health.
• UnitedHealthcare: UnitedHealthcare is the largest U.S. health insurer, offering employer, individual, Medicare Advantage, and Medicare Supplement products nationwide. It competes against EMI Health in Utah, Arizona, Texas, Georgia, and across the Federal Marketplace, with vastly greater scale and broker presence.
• Kaiser Permanente: Kaiser Permanente is a large nonprofit integrated health plan and care delivery system operating across multiple U.S. regions. As a nonprofit carrier with vertically integrated wellness, pharmacy, and care management capabilities, it is a structural comp for EMI Health's nonprofit bundled-product model.
• Cigna Healthcare: Cigna offers national employer, individual, and Medicare products and is also EMI Health's PPO network partner. As a network partner, Cigna has unique visibility into EMI Health's membership and competes for the same employer groups nationally.
• Aetna (CVS Health): Aetna offers national group, individual, and Medicare products and is also an EMI Health PPO network partner in Arizona, Texas, and Georgia. It directly competes for self-funded employer business in EMI Health's expansion markets.

Direct peers

• Select Health: Select Health is the nonprofit health insurance arm of Intermountain Healthcare, headquartered in Utah. It is the most direct comparable to EMI Health: same Utah nonprofit mutual-insurer roots, same Intermountain provider network relationship, and overlapping group/individual/Medicare product portfolio.
• PEHP (Public Employees Health Program): PEHP is a Utah public-sector health plan serving state and education employees with medical, dental, vision, and Medicare products. Its historical concentration in the same Utah education segment that EMI Health was founded to serve makes it a direct comparable for employer group dynamics.
• University of Utah Health Plans: University of Utah Health Plans is a Utah-based nonprofit health insurer offering commercial, Marketplace, and Medicaid plans with a university-affiliated provider network. It directly competes with EMI Health for Utah employer groups, individual Marketplace, and Medicare products.
• Regence BlueCross BlueShield of Utah: Regence BlueCross BlueShield of Utah is the BCBS affiliate serving Utah and the Intermountain West with commercial group, individual, and Medicare plans. It is a comparable regional carrier competing in the same employer and individual segments where EMI Health is strongest.

Regional players

• Blue Cross Blue Shield of Arizona: BCBS Arizona is the dominant regional nonprofit health plan in Arizona, where EMI Health sells Medigap and Marketplace dental. Comparable as a fellow nonprofit/regional carrier with similar product breadth (group, individual, Medicare) and overlapping broker channels in Arizona.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/EMIHealth
• YouTubeyoutube.com/user/GetSomeHeadspace
• Facebookfacebook.com/pages/EMI-Health/602846473103609
• LinkedInlinkedin.com/company/emihealth
• Instagraminstagram.com/emihealthinsurance

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

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 EMI Health