What UROne Benefits® does

UROne Benefits® is an independent insurance brokerage and operating brand under Unison Risk Advisors Inc. (URA), a privately held financial services and insurance advisory firm headquartered at 950 Main Ave., Suite 1800, Cleveland, Ohio. The firm sells Medicare Advantage, Medicare Supplement, Part D prescription drug plans, individual and family health insurance, life insurance, disability, long-term care, annuities, and ancillary coverages (dental/vision/hearing, critical illness, hospital indemnity, final expense, travel medical, and short-term health). It serves Medicare-eligible individuals (65+), pre-retirees aged 50–64, families and individuals seeking non-em-sponsored coverage, and employers needing Medicare and ICHRA advisory support.

Revenue is generated exclusively through carrier commissions on policies placed, with the firm operating as an independent agent accessing multiple carriers (UnitedHealthcare, Cigna, Aetna, Medical Mutual are cited). Go-to-market is sales-led: licensed agents and Medicare specialists deliver personalized consultations via phone (1-800-722-7331), email, scheduled one-on-one advisor meetings, and recurring Medicare 101 webinars, complemented by a self-enrollment web portal and an active content marketing blog. The ezICHRA sub-brand functions as a dedicated ICHRA platform providing Individual Coverage Health Reimbursement Arrangements as a cost-displacing alternative to traditional group health insurance for employers.

The entity has no disclosed proprietary technology stack, no app, no APIs, and no AI/ML product surface; back-office operations rely on standard industry tools for quoting, enrollment, and policy management. The team consists of approximately 10–13 named personnel including a Managing Director, two VPs (Medicare Solutions and Individual Health Solutions), team leads, licensed sales advisors, and a compliance manager. Privacy and compliance posture includes GLBA, HIPAA, CCPA, and GDPR-aligned disclosures. UROne Benefits® also operates under the DBA "InsureOne Benefits" and is operationally affiliated with sibling subsidiary Oswald Companies under shared leadership and email domains.

Name

UROne Benefits®

Legal name

Unison Risk Advisors Inc.

Website

https://uronebenefits.com

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

UROne Benefits® is an independent insurance brokerage under Unison Risk Advisors Inc. that advises Medicare-eligible individuals, pre-retirees, families, and employers on Medicare, individual health, life, and ancillary coverage, and operates the ezICHRA platform for employer ICHRA solutions.

Ownership category

akta.pro rank

Product category

Insurance Brokerage Services

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Individual Supplemental Health (Hospital Indemnity, Critical Illness, Accident) (FSAIAEAD)

akta.pro secondary industries

Participating (Dividend) Whole Life Insurance (FSAIABAI), Group/Employer-Sponsored Critical Illness & Hospital Indemnity (FSAIAKAD), Worksite AD&D Insurance (FSAIAMAE)

Keywords

• Medicare insurance brokerage
• Individual health insurance
• Medicare advisory services
• Independent insurance agency
• Supplemental insurance products

Headquarters

HQ city

Cleveland

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Commission Revenue: UROne Benefits® generates revenue through commissions paid by insurance carriers for policies sold. As an independent agency, they access multiple insurance carriers' products and earn referral fees or commissions when customers purchase Medicare Advantage, Medicare Supplement, individual health, life insurance, and other coverage products through their advisory services.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

UROne Benefits® is an independent insurance brokerage that helps individuals navigate and enroll in Medicare (Medicare Advantage, Medicare Supplement, Part D), individual and family health insurance, life insurance, and ancillary protection products through licensed advisors. As a brand under Unison Risk Advisors Inc., it accesses multiple insurance carriers and earns commissions on policies placed, while also offering the ezICHRA platform for employers seeking Individual Coverage HRA alternatives to traditional group health insurance.

Product overview

UROne Benefits® is an independent insurance brokerage offering a comprehensive portfolio of health insurance and employee benefits solutions. The core offerings center on Medicare advisory services (Medicare Advantage Plans, Medicare Supplemental Plans, and Part D prescription drug coverage) and individual/family health insurance products. The company provides an extensive suite of supplemental insurance products including life insurance (term, whole, universal, and second-to-die), disability insurance, long-term care insurance, annuities, dental/vision/hearing coverage, prescription drug discount plans, critical illness insurance, accidental injury insurance, hospital indemnity, and final expense insurance. The ezICHRA platform serves as a technology-enabled solution for employers seeking alternatives to traditional group health insurance, while the company also offers travel medical insurance for international travelers and COBRA continuation assistance. The product architecture follows a hub-and-spoke model where Medicare and individual health insurance serve as the primary advisory offerings, supplemented by a broad range of protective and supplemental insurance products that can be bundled to meet comprehensive coverage needs.

Differentiator

Problem solved

Functional benefit

Brands

• ezICHRA: Flexible and cost-effective alternative to Group Health Insurance, an ICHRA (Individual Coverage Health Reimbursement Arrangement) product offering

Products and services

• Medicare Solutions

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Five partnerships are on record, tiered minor and core.

• Benefit ComplyminorStrategic or Co-development Partner · 18 September 2024Benefit Comply partnered with Union Risk Advisors (parent company of UROne Benefits®) to co-host a webinar on Medicare Part D creditable coverage changes. Regan Debban, Principal at Benefit Comply, served as a panelist alongside Matt Miklos from UROne Benefits®.
• Unison Risk Advisors Inc.coreStrategic or Co-development PartnerUnison Risk Advisors Inc. (URA) is the parent company of UROne Benefits®. URA is a financial services and insurance company that operates multiple subsidiaries providing insurance brokerage, risk advisory, and employee benefits services. UROne Benefits® operates as a subsidiary focused on individual Medicare and health insurance solutions.
• Oswald CompaniescoreStrategic or Co-development PartnerOswald Companies is a subsidiary of Unison Risk Advisors Inc. Many UROne Benefits® team members previously worked at Oswald Companies, and some team member bios reference both organizations. Oswald Companies provides employee benefits and insurance brokerage services.
• Insurance Carriers (Multiple)coreChannel Partner/ Reseller/ DistributorUROne Benefits® works with multiple insurance carriers including those offering Medicare Advantage Plans (MAPD), Medicare Supplemental Plans, Part D prescription drug plans, dental/vision/hearing coverage, and individual health insurance. The company cites UnitedHealthcare, Cigna, Aetna, and Medical Mutual as examples of carriers they work with or have historical relationships with in the Ohio market.
• ezICHRAcoreStrategic or Co-development PartnerezICHRA is a product offered by UROne Benefits® that provides Individual Coverage Health Reimbursement Arrangements (ICHRA) as a flexible and cost-effective alternative to traditional group health insurance. The company provides dedicated support for ezICHRA including team leads and specialized sales support staff.

Recent moves5 records

Expansion highlights5 records

Emerging players

• Take Command Health: Take Command Health is a technology platform enabling ICHRA administration for employers and employees. Directly comparable to UROne's ezICHRA offering and a relevant peer in the emerging ICHRA distribution and services space.
• Benefytt Technologies: Benefytt operates a digital insurance distribution platform focused on health, Medicare, and supplemental products. Comparable to UROne Benefits in the supplemental/Medicare space, with a more tech-forward go-to-market.

Others

• MediaAlpha: MediaAlpha operates a customer acquisition platform for insurance and other verticals, including Medicare and ACA products. Not a direct competitor but a relevant ecosystem player that connects insurance carriers with lead generators like UROne Benefits.
• Oswald Companies: Oswald Companies is a sister subsidiary under Unison Risk Advisors Inc. offering employee benefits and commercial insurance brokerage. Many UROne team members previously worked at Oswald, making it a closely related entity for cross-sell and operational benchmarking.

Direct peers

• eHealth: eHealth is a leading online health insurance marketplace offering Medicare, individual/family, and ancillary plans through a technology-driven platform. Directly comparable to UROne Benefits in product breadth and customer segments, with a more developed digital acquisition engine.
• Policygenius: Policygenius is a digital insurance brokerage offering life, disability, and health insurance with a strong content/educational content strategy. Comparable to UROne Benefits in product breadth (life, disability, health) and content-led acquisition approach.
• HealthMarkets: HealthMarkets is a national insurance agency specializing in individual health, Medicare, and supplemental coverage through a network of licensed agents. Direct competitor in target market (Medicare + individual health) and product set, with broader geographic coverage.
• GoHealth: GoHealth is a health insurance marketplace specializing in Medicare products, with a proprietary technology platform and large agent network. Comparable to UROne Benefits in target customer (Medicare-eligible) and product mix, but with significantly more scale and tech investment.
• SelectQuote: SelectQuote is a publicly traded direct-to-consumer insurance agency with a strong focus on Medicare Advantage, term life, and senior health products. Directly comparable to UROne Benefits' Medicare-led brokerage model, though operating at substantially larger scale.

Broad incumbents

• Humana Insurance Agency: Humana operates a large insurance agency/distribution arm focused on Medicare Advantage and Medicare Supplement plans. Comparable in product focus (Medicare) but at substantially larger scale and as a carrier-affiliated agency rather than fully independent.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/urone-benefits

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles13 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 UROne Benefits®