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We’ve invented a better way to offer health benefits.
A technology-first approach to benefit payments.
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A smarter way to right-size benefits for everyone.
Say goodbye to one-size-fits-most—and say hello to a benefits solution where employers control costs, employees choose the benefits that fit their needs, and administration is simple.
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WHY NEXBEN
A game-defining benefits solution.
More choices for employees—without more complexity.
Employees choose from any insurer and marketplace in their area to find the coverage that fits their needs. Employers of all sizes keep their costs controlled and predictable. And Nexben’s patent-pending technology transfers insurer premiums with a single click.
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WHY NEXBEN
The leading financial services solution.
Transfer premium payments—with one click.
Employees choose from any insurer and marketplace in their area to find the coverage that fits their needs. Employers of all sizes keep their costs controlled and predictable. And Nexben’s patent-pending technology transfers insurer premiums with a single click.
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WHY NEXBEN
The leading financial services solution.
Transfer premium payments—with one click.
Employees choose from any insurer and marketplace in their area to find the coverage that fits their needs. Employers of all sizes keep their costs controlled and predictable. And Nexben’s patent-pending technology transfers insurer premiums with a single click.
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WHY NEXBEN
Putting people first, second, and third.
Leading with solutions to make a meaningful impact.
Everything Nexben does is focused on people and improving their everyday experience. By challenging the status quo, we’re changing lives—for neighbors, coworkers, even the person next to you at the grocery store.
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Let’s connect.
Discover how benefits can be simple and right-sized—for everyone.
Nexben’s technology consolidates premium billing and payment data—providing employers one itemized statement. Employers make one premium transfer to facilitate the distribution and reconciliation of payment for each benefits provider. And deposits and payments are tracked for every employee—ensuring payment integrity and reducing banking and transaction costs.
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WHY NEXBEN
The Nexben Difference.
Benefits that just make sense—for everyone.
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WHY NEXBEN
We’re in the let’s-make-people’s-lives-better business.
Nexben’s solutions provide you the tools to give people confidence about their health and wealth decisions.
Everything Nexben does is focused on people and improving their everyday experience. By challenging the status quo, we’re changing lives—for neighbors, coworkers, even the person next to you at the grocery store.
Interested?
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WHY NEXBEN
A game-defining payment solution.
The only platform that allows you to transfer payment to all insurers in one click.
A technology-first approach to benefit payments, the Nexben Solution provides the unlimited capacity required to power the shifting benefits ecosystem—facilitating seamless payment transactions between employers and insurers.
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WHY NEXBEN
Nexben makes it simple.
The streamlined solution you’ve been looking for.
Nexben’s technology consolidates premium billing and payment data—providing employers one itemized statement. Employers make one premium transfer to facilitate the distribution and reconciliation of payment for each benefits provider. And deposits and payments are tracked for every employee—ensuring payment integrity and reducing banking and transaction costs.
Simplified Administration.
There’s no receipts, reimbursement processing, or debit cards to administer.
Personalized Benefits.
Employees shop and buy the coverage that fits their needs best—using unique Nexben account numbers.
One-Click Payment Transfer.
Transfer insurer premiums with one click.
Payment Integrity.
Trusted, secure payment transfer.
One Easy Platform.
Make changes, view documents, and access reporting with simple setup and management.
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WHY NEXBEN
The tools and partnerships you need.
Supporting you every step of the way.
Contribution Specialists.
Assistance defining your contribution strategy.
Relationship Managers.
Access to personalized services and support for your unique needs.
Enrollment Advocates.
Expert guidance as employees shop for and purchase coverage.
Resources.
Ongoing support to help manage your health benefits—when and where you need it.
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WHY NEXBEN
Serving groups of all shapes and sizes.
Built to meet your company’s unique needs.
For companies of any size.
✓ Access to a single platform with up-to-date information
✓ Enrollment advocates to guide employees through the shop-and-buy experience
✓ First-class education
✓ Guides and resources to support and manage your health benefits package
Specialize in groups of 1,000-10,000 and 10,000+
✓ Contribution specialists with expertise to assist employers
✓ Dedicated relationship manager to support your unique needs
✓ Designated phone line for direct access to support
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WHY NEXBEN
Reshaping the benefits landscape.
Benefits don’t have to be a headache—you found the solution.
The Nexben Solution simplifies shopping and paying for benefits. Choose greater cost control for employers and choice for employees—with streamlined administration and seamless one-click payment technology.
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INVOICING
Group benefits that finally work for everyone.
Cost control for you and more choices for employees—without more complexity.
Set your benefits budget. Define a pre-tax contribution for employees to help pay for the coverage of their choice—using their unique Nexben account number.
Your employees choose the individual coverage that fits their needs—from any insurer and marketplace in their area. Give them control over their benefits choices.
And leverage the power to pay all insurers with one-click, every time.
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WHY NEXBEN
A complete solution without complication.
Simplifying the health benefits experience for everyone.
Choose the solution that makes it easy to control employer costs—while expanding freedom of choice for employees.
ADOPT
Employer
Define contributions and open enrollment
ENROLL
Employee
Shop and buy individual coverage with the help of an enrollment advocate—using a unique Nexben account number
MANAGE
Employer
Receive consolidated monthly statement and automatically payroll-deduct any premium remainder for participants
PAY
Insurers
Transfer payments with just one click
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WHY NEXBEN
One-click payment facilitation.
A technology-first approach to benefit payments.
Personalized Benefits.
Employees shop and buy the coverage that fits their needs best—using unique Nexben account numbers.
Many-to-Many Made Easy.
Transfer multiple benefit payments on behalf of your workforce—to as many insurers as you need.
One-Click Payment Transfer.
One consolidated statement means one premium transfer—with one click.
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WHY NEXBEN
We’re with you every step of the way.
The right partnerships make a simple solution even better.
Contribution Specialists.
Assistance defining your contribution strategy.
Relationship Managers.
Access to personalized services and support for your unique needs.
Enrollment Advocates.
Guidance for employees as they shop and purchase coverage.
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WHY NEXBEN
A premium experience for everyone.
Enjoy freedom of choice and unmatched ease for your business and your employees.
No more chasing down quotes from multiple insurers and trying to guess what coverage is best for your employees. Put the choice in your employee’s hands and feel confident knowing they have just what they need.
STEP 1
Employer
Defines monthly pre-tax contribution available to each employee class
STEP 2
Employee
Shops and buys individual coverage they want using their unique account number
STEP 3
Nexben
Consolidates premium billing and payment data—providing employers one itemized statement
STEP 4
Employer
Reviews and, with one click, approves and pays monthly consolidated premium statement
STEP 5
Nexben
Facilitates premium payments to each carrier based on individual employee plan selections
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WHY NEXBEN
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RESOURCE COLLECTIONS
PRE-ENROLLMENT
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SET UP
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MANAGE
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ADMINISTER
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Pre-Enrollment
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M22 – Large Card
Looking for resources to support employees?
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WHY NEXBEN
A complete solution without complication.
Simplifying the health benefits experience for everyone.
Choose the solution that makes it easy to control employer costs—while expanding freedom of choice for employees.
Employer
Define contributions and open enrollment
Employee
Define contributions and open enrollment
Employer
Define contributions and open enrollment
Insurers
Define contributions and open enrollment
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M25 – Meet the Team
JOHN KELLY
FOUNDER
John founded Nexben to connect more Americans with affordable healthcare. With a relentless passion for reshaping the benefits landscape, John’s goal is to flip the industry on its head—with Nexben leading the way.
Prior to Nexben, John founded Insurtech in 2012. In 2016 he created the first ICHRA product to help rural schools, cities, and communities control their skyrocketing healthcare costs. The savings generated allowed employees to receive their first cost of living pay increase in over five years.
With 30 years of group benefits experience, John’s innovative thinking and profound understanding of the field put him in a unique position to deliver change, stand at the forefront of the industry, and guide the Nexben team toward unlocking new possibilities. John currently works with policy makers and industry experts evolving the ICHRA and championing making healthcare more affordable for all.
KEITH HUCKABY
PRESIDENT
Keith drives vision and strategy at Nexben—motivated by the desire to innovate, disrupt, and transform the benefits industry. He provides a unique perspective on aligning the broader organizational vision while empowering employees to thrive individually and collectively.
Before moving into the world of group health benefits, Keith’s extensive background in consulting and hospitality honed his affinity for solving problems, optimizing systems, and generally making things better for people. From operations and employee retention at Disney to owning franchised restaurants, Keith’s roles shaped the philosophy and work ethics that fuel Nexben and inspire his team today.
Keith balances navigating the challenges of group health benefits with spending time at home—exploring the world and going on adventures with his three kids.
TODD BERKELY
SVP OF SALES
Todd is responsible for product strategy and strategic partnerships—focusing on creating partnerships to distribute the Nexben Solution and simplifying benefits administration and payment.
Todd’s career has been spent at the forefront of consumer finance and health insurance innovation. He’s a nationally-recognized expert on HSAs and consumer-directed healthcare—and the author of The HSA Owner’s Manual. Todd earned his bachelor’s from McKendree College, and his MBA from the Harvard Graduate School of Business.
Todd enjoys golf, four-wheeling, and singing and playing bass at his church and with his band, “The World’s Okayest Cover Band.”
MATT DARRAGH
CHIEF INFORMATION OFFICER
Matt serves as a key contributor to the senior leadership team by providing critical insights and information to drive strategic decisions. His work ensures that Nexben charts its path based on facts—not feelings.
Matt’s background is focused on technology, finance, and data analysis. His previous leadership experience at TGG Solutions and several agriculture companies offer a wealth of expertise to inform strategic decision-making. Matt earned his bachelor’s in Accounting from Michigan State University.
ANEDRA EATMAN
VP OF PEOPLE OPERATIONS
Anedra’s leadership in human resources and customer experience gives her the chance to work across all functions of Nexben—supporting the company’s mission and vision.
With 25 years in human resource, Anedra’s professional experience includes driving change management at TGG Solutions, developing and creating workflow processes at Grand Rapids Public Schools, and being considered an innovator at Van Andel Research Institute. Anedra earned her bachelor’s in human resources from Davenport University and her master’s in management from Cornerstone University.
Anedra’s passion to serve guides all aspects of her life—family, faith, community and career. What keeps Anedra focused and grounded outside of work is her love and dedication to her two princesses.
JULIE HALGREN
VP OF MARKETING
Julie’s role as VP is to drive the marketing vision and roadmap—bringing the Nexben brand to life. She makes complex topics easy to understand for all audiences, taking a whole lot of stress out of navigating health benefits.
Julie’s background includes organizations like Thrivent Financial and FICO that built her foundation in the financial services industry. She also spent time challenging the status quo—and researching and identifying innovative solutions that drove change. Julie earned her bachelor’s in Business Administration, Marketing, and Finance from Luther College in Iowa. She also received a Chartered Life Underwriting (CLU) designation from the American College.
Being part of a company that consistently innovates to meet customer needs and disrupt the industry is what keeps Julie excited to come to work each day.
LISA MARZOLINO
SVP OF CUSTOMER SUCCESS
Lisa leads customer goals and product utilization—overseeing a team comprised of relationship management, compliance, customer onboarding, and customer care departments. Her team captures and tracks customer feedback, and collaborates on developing strategies to expand product features, retaining and expanding customer relationships, and improving customer and partner satisfaction. Ultimately, Lisa is dedicated to improving the overall customer experience at Nexben.
With nearly 30 years’ experience in the healthcare industry, Lisa brings a unique understanding of the insurance ecosystem. Her years in project management and consulting give her the unique perspective to build repeatable, scalable solutions that create long-term value for all stakeholders. She earned a certificate of project management from Davenport University and a project management professional (PMP) accreditation from the Project Management Institute.
Lisa is passionate about disrupting complex industries with innovative business solutions that solves pain points for everyone involved.
MARK PONTLIANA
CHIEF OPERATIONS OFFICER
Mark oversees the design, build, launch, and support of Nexben products. His ability to motivate teams, align processes, and drive focus enables the delivery of outstanding technology solutions.
Mark’s background includes organizations like Conduent, Alegeus, and UnitedHealth Group that built up his substantial knowledge of health insurance. He also spent time consulting companies at the intersection of healthcare and financial services.
TODD BERKELY
SVP OF SALES
Todd is responsible for product strategy and strategic partnerships—focusing on creating partnerships to distribute the Nexben Solution and simplifying benefits administration and payment.
Todd’s career has been spent at the forefront of consumer finance and health insurance innovation. He’s a nationally-recognized expert on HSAs and consumer-directed healthcare—and the author of The HSA Owner’s Manual. Todd earned his bachelor’s from McKendree College, and his MBA from the Harvard Graduate School of Business.
Todd enjoys golf, four-wheeling, and singing and playing bass at his church and with his band, “The World’s Okayest Cover Band.”
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WHY NEXBEN
Watch and discover.
Find the answers you need as you learn about the Nexben advantage.
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A smarter way to right-size benefits.
Say goodbye to one-size-fits-most health benefits.
M28 – Featured Blog Posts
Break the Status Quo of Health Benefits
The benefits landscape is changing, employee needs are changing, and you need a different solution.
IRS Releases New Affordability Rate of 8.39% for 2024
The IRS decreased the affordability rate for large employers from 9.12% to 8.39% in 2024.
M29 – Featured Press Posts
Nexben and Lynx Forge Strategic Partnership, Streamlining Employer-Sponsored Benefits Through Innovative Technology
The Nexben and Lynx partnership marks a significant milestone in advancing defined contribution health plans by introducing a unique pre-tax, payroll-withholding solution that moves beyond traditional reimbursement models.
Nexben and Lynx Forge Strategic Partnership, Streamlining Employer-Sponsored Benefits Through Innovative Technology
The Nexben and Lynx partnership marks a significant milestone in advancing defined contribution health plans by introducing a unique pre-tax, payroll-withholding solution that moves beyond traditional reimbursement models.
M30 – Blog Post Roll
Break the Status Quo of Health Benefits
The benefits landscape is changing, employee needs are changing, and you need a different solution.
Podcast: Bridging the Benefits Gap
Are your benefits putting you and your employees in a pickle? In this podcast, learn about alternative group health benefits options that work.
IRS Releases New Affordability Rate of 8.39% for 2024
The IRS decreased the affordability rate for large employers from 9.12% to 8.39% in 2024.
M31 – Press Post Roll
Nexben and Lynx Forge Strategic Partnership, Streamlining Employer-Sponsored Benefits Through Innovative Technology
The Nexben and Lynx partnership marks a significant milestone in advancing defined contribution health plans by introducing a unique pre-tax, payroll-withholding solution that moves beyond traditional reimbursement models.
How ICHRAs Solve Today’s Top Benefits Problems
By John Kelly, Nexben CEO This article was originally published in America's Benefit Specialist magazine. Last spring a pair of surveys rolled out, highlighting the current state of health benefits: “2022 Emerging Trends in Health Care Survey”1 from Willis Towers...
How to gain control of benefits costs and give employees more choice
In an interview on health benefit costs, John Kelly (CEO of Nexben) says: “The costs of offering benefits to employees keep skyrocketing, and businesses are looking at how they can offer robust benefits but not pass the costs onto employees.” ICHRAs allow a company to...
M32 – Content Accordion
An Individual Health Reimbursement Arrangement (ICHRA) is an employer-funded, tax-free health benefit used to reimburse employees for individual health insurance premiums and other qualified medical expenses. With an ICHRA, the choice and responsibility shift from employer to employee—it is the employee who determines where and how to spend the employer’s pre-determined contributions.
By offering an ICHRA:
- Employers define contribution limits and have more flexibility in plan design, and employees may choose the coverage that best fits their unique needs. The employer establishes the reimbursement allowance per employee class.
- Employees shop the marketplace and purchase the individual health insurance policy that works best for them. Employees provide proof of coverage, and the employer reimburses them up to the pre-determined contribution allowance. Anything owed above and beyond the contribution amount, the remainder, is the employee’s responsibility and may be payroll deducted by their employer.
ICHRAs are centered on a reimbursement model,sometimes referred to as a defined contribution approach). This gives employees greater cost control and predictability, and offers employees more coverage options to choose from. This is very different from the traditional group insurance market model (sometimes referred to as a defined benefit approach) where employers select a one-size-fits-most group plan, and employees are limited to options selected by the employer.
With a defined contribution approach, a health benefits package is designed around a set dollar amount, not around a set of plans—and Nexben’s ICHRA Solution makes it simple.
CTA: Download the ICHRA Guide for more detailed information. >> Link to PDF guide.
CTA: Want to dig deeper? Read the official federal rule.
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Access the Nexben ICHRA Benefits Portal for 2023 and 2024
Access the:
- 2022 ICHRA Benefits Marketplace
- 2022 and 2023 Small Group and Individual Marketplaces
- 2022 and 2023 Quoting by Marketplace