The Benefit X-Change® is a robust web-based administration platform that allows your business to offer "Defined Contribution" medical reimbursements and a private healthcare exchange for your employees. The Benefit X-Change® functions as a complete standalone employer health benefits program or as a supplement to an existing group health plan and complies with all applicable ACA, HIPAA, ERISA, DOL, and IRS regulations.

EMPLOYERS spend what your business can afford...

We help you determine a reasonable and affordable contribution for each class of employees. Finally, a budget you control.

Offer an excellent benefits solution for recruiting and retention. No minimum, no maximum, and no participation requirements.

Stop reducing benefits each year. Start increasing them. Enjoy better cost predictability and increased choice for your employees.

Contribute from $0 to unlimited. Create different classes of employees and set each class at a different amount. Include part-time and 1099 contractors, if you choose.

Eliminate cumbersome administration, even COBRA, ERISA, ACA, IRS, and HIPAA compliance.

We answer all employee questions. We help your employees take greater ownership of their health care purchasing decisions and more appreciate your contribution.

EMPLOYEES get their own personalized benefits store...

Leading-edge technology -- to help match you with benefits that are best suited to your individual needs, family situation, and budget.

No more "one-size-fits-all." Purchase your own personal, individual plans which may be much cheaper than a group plan.

Confidential, reliable, and trustworthy service from licensed professionals with benefits expertise.

You have access to more benefit options than are typically available at Fortune 500 companies. And we remove the guesswork to make the whole process easy - even fun.

You become more aware of your health care finances and purchases - and more empowered to take control of your healthcare and fianacial portfolio.

Your Own Private Healthcare Exchange

Your private Benefit X-Change®, where you can buy personal health benefits and reimburse yourself TAX-FREE with money allocated through your "Defined-Contribution" health plan.

The Employee Benefits Resources You Need

The Benefit X-Change uses innovative, cutting-edge technology and four decades of industry experience to offer employers predictability in health-care costs and a realistic path out of benefits management.

Outsource Your Healthcare Administration

The Benefit X-Change operates as your benefits administration platform to automate the handling of enrollment, eligibility, employee support, payroll reporting, and more.

Saving employers time and money plus empowering employees creates a WIN-WIN environment for recruiting and retention!

The Formula is Easy


The employer signs up, determines their contribution, and enrolls their employees. Each employee receives their own user names and passwords


Employees select from more options than most Fortune 500 companies offer. They choose plans to best fit their needs and pay the premiums themselves.


The employer uses its existing payroll software or service to record pre-tax deductions and reimbursements in less than 5 minutes per month.

Does This Work For My Company?

Because of the rising costs of healthcare businesses are searching for alternatives to expensive group plans. With the Benefit X-Change®, your employees will have access to a wide selection of top-tier personal insurance products and your company can contribute as little or as much as you’d like. Plus both employer contribution and employee premiums can be 100% tax-free.

Offer Health Benefits on Any Budget

  • You Define Your Contribution Amounts
  • Legally Reimburse Individual Policies
  • You And Your Employees Save On Taxes
  • We handle All Employee Questions
  • Define Your Employee Classes
  • Contribute Different Amounts to Each Class
  • Employees Choose from Dozens of Options
  • We Handle All Benefits Administration

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Invitations for application for insurance on benefitx.com are made through AssureCor, Inc. or its designated agent, Tony McDougle, only where licensed and appointed. Not available in all states. Tony McDougle's resident license is in the state of North Carolina. His North Carolina license number and National Producer Number are 28288; in Lousiana, 546830; Utah, 383482; and in Texas, 790633. The AssureCor (d/b/a The Benefit X-Change) National Producer Number is 8009282. Other license numbers are available upon request and are provided where required by law. This website is not affiliated with, endorsed by, or operated by any government agency.