About Us

Let’s talk about great health care, simplicity, savings, and freedom. Let’s see how this works and introduce you to the SB/A Cooperative.

Today’s health benefits landscape is more challenging than ever before. Companies of all sizes and types, from 1099 contractors up to medium size corporations are making the switch to add affordability, flexibility, and customizable health benefit options for themselves and their employees.

The SBA Freedom Protect Plans are sponsored by the Small Business Agency Cooperative (SB/A CoOp).  The SB/A CoOp is a Non-Profit “Agency” Cooperative Corporation that does not buy or sell products or services but acts as the “Legal Collective Agent” of all the Cooperative Members to facilitate advantageous contractual relationships for and between the members. The SB/A CoOp may legally “aggregate” self-employed individuals (working 16 hours or more per week) and small and large employers together without becoming a Multiple Employer Welfare Association (MEWA) or acting as a Multiple Employer Trust (MET).

There are components that allow the Small Business Agency Cooperative to develop and sponsor The SBA Freedom Protect Plans. ERISA is the Federal Law that sets the standards and regulates approximately 60% of private and public sector industry health care plans.

The Small Business Agency (SB/A) as defined above, is a specific marketplace where employers and their employees, sole proprietorships, 1099 contractors, LLC’s, and direct sales distributors can become members and access the marketplace which offers The SBA Freedom Protect Plans.

The plan administrator is the bedrock and handles premiums and adjudicates claims; the prescription pharmacy, and the dental/vision are also important parts that make your healthcare plan function smoothly.

Free Market Administrators, LLC (FMA) is a privately owned third-party administrator that specializes in manufacturing of products to satisfy the complex world of health care in an ever-changing environment. We tailor Medical, Prescription, Dental, and Vision plans that are both dynamic and adaptable to meet the needs of our brokers and their customers. We are committed to creating value for our broad client base of both fully insured major medical and self-funded clients. FMA continues to be a critical measure for which we have maintained the highest performance standards within the industry. FMA remains focused on not only exceeding the highest ethical standards in the industry, while upholding the utmost integrity for our clients, but also redefining the way our clients look at the world of health care benefits.

SB/A CoOp has contracted the best partners. The plan administrator has negotiated low provider rates for hospitals, physicians, urgent care centers, and clinics throughout the USA.

ProCare RX, your pharmacy plan pre-negotiates up to 80% of prescription drugs and your Careington Dental/Vision plan also negotiates its discounts on your behalf.

Our Management Team

David JonesDavid Jones


David Jones has over 40 years experience in the medical benefit industry and is currently the Chief Executive Officer of the Small Business/Agency Cooperative, a non-profit cooperative corporation providing employer memberships to the nonprofit cooperative.

This allows all employers and their employees to own and participate in their own self-funded ERISA Medical Benefit Program.  David Jones is a co-founder of  SB/A Cooperative where he incorporated the Cooperative in the state of Colorado as well as initiating the memberships in all 50 states.

Prior to starting the SB/A Cooperative, Mr Jones worked with Fortune 500 companies and did resolves of health medical benefits for people throughout the years. Working through multiple A+ major insurance companies designing and marketing numerous programs, Mr. Jones brought his healthcare and insurance wisdom to today’s marketplace.


Mr. Jones’ extensive, three decades of experience in direct sales and network marketing has played a very strong part in building teams. He has lead networkers and trained others to be financially successful and to learn how to become a successful independent business owner.  Mr. Jones believes that if you love what you are doing and you believe in yourself, you will become successful by helping others to do the same.

Recognizing the need of truly affordable healthcare for business employers and their staff and having the same benefit available to the marketplace, Mr. Jones set out to create the medical benefit plans known today as The SBA Freedom Protect Plans while combining the power of network marketing to help tens of millions of people for which health care is a dream.

Family is of utmost importance to Mr. Jones, whether it be his own or yours, therefore he has never waivered in his commitment to develop medical benefit plans for all clients. He has also designed excellent and effective marketing programs.

Mr. Jones’ personal ethics and integrity is present and employed every time he extends himself to meet and exceed his clients’ needs.

Lew Emanuelson Profile PicLew Emanuelson, CEBS, CLU, ChFC, REBC, RHU

Insurance and Risk Management Portfolio

Served two years as Board Advisor and assisted in founding of the Small Business Agency Cooperative. Consulted in risk management, pricing and actuarial analysis for SB/A CoOp.

Consulting Experience

  • Experience includes five (5) years as Consulting Director for several Pharmacy Benefit Management (PBM) companies, hospital associations and their programs.
  • Four (4) years as a market leader in underwriting and offering stop-loss insurance to large employer benefit plans.
  • Eleven (11) years as underwriting, actuarial and risk management expert to the Life/Health/Disability Insurance industry

Insurance Experience

  • Three (3) years Regional Vice President of Sales and Account Management – for a large national insurance company
  • Twenty (20) years as Health & Wellness Consultant, Client Manager, Practice Leader and business development Manager for several large insurance companies.

Industry Skills

  • Extensive benefit experience across all health, wellness, and insurance spectrum.
  • Strong Human Resource and C-Suite interaction.
  • Sales and Producer Leader
  • Experienced Recruiter and Trainer of Personnel with strong managerial background
  • Creative with resourceful problem solving skills
  • Skilled negotiator
  • Excellent writing and communication skill set
  • Comprehensive analytical skills

Education and Training

Bachelor of Science, Graduated with a Degree in Finance, Northern Illinois University, (1978)

HIAA Certification in 1980, Certified Employee Benefits Specialist (CEBS) Program, University of Pennsylvania, Wharton School – courses and exams completed with designation awarded in 1997

Completed the American Society of Pension Actuaries’ Pension Administrator’s Course (Parts A&B), William M. Mercer and Aon Sales Leadership Training

Completed the American College Registered Employee Benefit Consultant (REBC) and Registered Health Underwriter (RHU), Certified Life Underwriter (CLU), and Chartered Financial Consultant (ChFC) designation through the American College.