Aaoa Healthcare - Affiliated Services, Llc

What Aaoa Healthcare - Affiliated Services, Llc does

Affiliated Services, LLC (operating under Aaoa Healthcare) is a US-based employee benefits consulting and administration firm that helps small and mid-size employers select and implement health benefit plans through three purchasing models: self-funded (own), level funded (lease), and fully insured (rent). The company targets employers across three size tiers — 2-50, 51-99, and 100+ employees — with a primary focus on small and mid-size employers who face unsustainable year-over-year benefit cost increases and lack transparency in traditional fully insured arrangements. Its core product is the Affiliated Services Advantage self-funded plan, which provides full plan ownership, customization, claims data transparency, and exemption from state benefit mandates, complemented by Level Funded, Community Fully Insured, and Association Plans products. The underlying technology is a benefits administration platform that supports unbundled plan design (a "supply chain management" approach), claims data access for utilization management, and refund-sharing based on claims performance.

The company's business model is professional services: it generates revenue through consulting fees and administration services for helping employers evaluate and implement benefit plan structures across the own/lease/rent spectrum. Pricing is quote-based and not publicly disclosed. The go-to-market motion is consultative and sales-led, with direct employer engagement and educational content marketing through its website (affiliatedservicesllc.org) explaining the purchasing options and market segmentation that affects employer choices. Distribution is domestic and direct, with no disclosed channel partners, integrations, or app products. The company is privately held as an LLC with no disclosed ownership, funding, headcount, leadership team, partnerships, or M&A activity in the source data.

Name

Aaoa Healthcare - Affiliated Services, Llc

Legal name

Aaoa Healthcare - Affiliated Services, LLC

Website

https://affiliatedservicesllc.org

Company type

Private

Founded year

2002

Operating status

Operating

Headcount range

11–50 employees

Short description

Affiliated Services, LLC is a US benefits consultancy that helps small and mid-size employers (2-100+ employees) purchase employee health benefits through self-funded, level funded, and fully insured models using a consultative sales approach.

Ownership category

akta.pro rank

Product category

Employee Benefits Consulting and Administration

NAICS

Insurance and Employee Benefit Funds (5251)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

International Benefits Administration & Global Benefits Brokerage (BPACAHAG)

Keywords

• Employee benefits consulting
• Self-funded benefits administration
• Level funded health plans
• Employer benefits advisory
• Group benefits brokerage

Headquarters

HQ city

Kirkland

HQ country

United States

HQ region

North America

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Benefits Consulting and Administration Services: Revenue is generated through consulting fees and administration services for helping employers navigate employee benefits purchasing options including self-funding, level funding, and fully insured plans. The company helps employers select and implement optimal benefit plan structures.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels1 record

Core offering

Affiliated Services is a benefits consulting and administration firm that helps small and mid-size employers purchase employee benefit plans through three models: Own (Self-Funded via Affiliated Services Advantage), Lease (Level Funded), and Rent (Community Fully Insured and Association Plans). The firm applies a supply chain management framework to benefits purchasing, enabling employers to unbundle services, customize plan designs, and gain transparency into claims data and cost structure.

Product overview

Affiliated Services offers employee benefit plans through three purchasing models: Own (Self-Funded via Affiliated Services Advantage), Lease (Level Funded), and Rent (Community Fully Insured and Association Plans). The company helps small and mid-size employers access the same benefit strategies used by large employers, focusing on stability, predictability, and cost transparency.

Differentiator

Problem solved

Functional benefit

Products and services

• Affiliated Services Advantage (Self-Funded)
• Level Funded Plan
• Community Fully Insured Plan
• Association Plans

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Scale indicators1 record

Recent moves4 records

Expansion highlights3 records

Broad incumbents

• Brown & Brown: Public insurance brokerage with a diversified employee benefits practice. Comparable in benefits brokerage but operates nationally across many lines of business beyond employee benefits.
• Aon: Global professional services firm with a major employee benefits consulting practice. Operates in the same benefits advisory space but at global scale with enterprise-focused positioning.
• Hub International: Large insurance brokerage with a substantial employee benefits practice serving mid-market and large employers. Operates in the same benefits brokerage category but with national scale and broader capabilities.
• Gusto: HR, payroll, and benefits platform serving small businesses with integrated benefits administration. Comparable in SMB focus but offers benefits as part of a broader HR suite rather than as a specialty.
• USI Insurance Services: Large US insurance brokerage with a significant employee benefits consulting practice for mid-market employers. Operates in the same benefits space but at greater scale and with a broader portfolio.
• OneDigital: Large national benefits and HR advisory firm serving employers of all sizes. Comparable in benefits consulting and brokerage but at significantly greater scale with a broader service portfolio.
• Justworks: PEO providing HR, payroll, and benefits administration to SMBs as part of a broader platform. Overlaps in SMB targeting but operates a PEO model with bundled services rather than pure advisory brokerage.
• Lockton: Largest independent insurance brokerage globally with deep employee benefits expertise. Comparable in benefits advisory but serves primarily mid-market and large employer segments.

Direct peers

• PeopleKeep: Specialist in SMB employee benefits, including health reimbursement arrangements and self-funded plans for small employers. Directly comparable in customer segment and benefits administration focus.
• Nava Benefits: Technology-enabled benefits broker targeting small and mid-size employers with self-funded and level-funded plan options and modern service delivery—closely aligned with Affiliated Services' SMB-focused offering.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights5 records

Customer concentration

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 Aaoa Healthcare - Affiliated Services, Llc