About Us


Welcome to Small Business Agency Cooperative for great health care, simplicity, savings, rich in benefits and freedom. Let’s see how this works and introduce you to the family of SB/A CoOp ERISA compliant Employer Group Health Care Plans

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 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). 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 Cooperative Inc. (SB/A CoOp) is a private marketplace where Employers Members can purchase their own Employer partially self-funded ACA qualified and ERISA compliant group health care plans. SB/A CoOp partners with Free Market Administrators LLC., to be the Plan Administrator and legal Third-Party Administrator to secure the monthly premiums into trust accounts, adjudicate claims, pay the providers, and make the explanation of benefits available to providers and employees. Free Market Administrators LLC., contracts with approved service partners such as Serve You Rx prescription pharmacy and the 24/7/365 telemedicine provider 24hr Virtual Clinic.

Free Market Administrators, LLC (FMA) is a privately-owned third-party administrator that specializes in the assembly of products to satisfy the complex world of health care in an ever-changing environment. FMA tailors medical, prescription, dental, and vision plans that are both dynamic and adaptable to meet the needs of our broker/agents and their employer customers. FMA is committed to creating value for its broad client base of both fully insured major medical and self-funded clients. FMA continues to be a critical measure for which they 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 their clients, but also redefining the way their clients look at the world of health care benefits.

Free Market Administrators LLC., negotiates low provider rates for hospitals, physicians, urgent care centers, and clinics throughout the USA.

Our Management Team

David Jones

SB/A CoOp President

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, Inc. 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 SB/A Freedom 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 wavered 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 


Vice President of Business & Product Development

  • Three years as a Board Advisor and Board Member and assisted in the founding of the Small Business Agency Cooperative
  • Five years as Consulting Director as sales producer, contract negotiation and consultant for Pharmacy Benefit Management programs
  • Four years as Market Leader and Partner/Principal underwriting and selling stop-loss insurance to large employer benefit plans
  • Three plus years as Regional Vice President of Sales Account Management of a national insurance carrier
  • Eighteen years as a Health & Welfare Consultant, Client Manager, Practice Leader, Principal, and Sr. Vice President
  • Eleven years as Underwriting/Actuarial Manager and Vice President for the life, health, and disability insurance industry

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.

Frank Carrannante 

Director of Administrative Services

Frank Carrannante serves as a Board of Director of the SB/A Cooperative Inc. and is currently Director of Administrative Services and Training/Education Instructor.

Mr. Carrannante, a Licensed Insurance Producer in Life, Health, Accident since 2013, enjoys the role of Benefits Counselor while helping, educating, and supporting clients to make informed decisions about health care and employee benefits.

With a Bachelor of Science in Business Management and a distinguished aviation career for over four decades, work and fun were not always distinguishable. As an experienced entrepreneur and co-founder of a regional scheduled freight cargo airline brings valuable administrative and operational experience to SB/A CoOp Inc.

As a retired American Airlines Captain, Airline Transport Pilot, and FAA Check Airman, Mr. Carrannante possesses important skill sets in human resources, crew management, comprehensive analytical problem-solving skills, regulatory and compliance strength, and strong communication abilities.

Mr. Carrannante is a Candidate – Member of the American Society of Appraisers, ASA/USPAP Certification for Machinery and Technical Specialties.

Mr. Carrannante has two sons, Joseph – 29, and Michael – 23, both Eagle Scouts, and enjoys skiing, golf, and backpacking with them.

As a previous Scoutmaster and Award of Merit recipient with Boy Scouts of America, Mr. Carrannante believes community service is important, and guiding young adults to become leaders and responsible citizens in life, was a gratifying experience.