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Employer Benefits IQ
Free Employer Education

Employer Benefits IQ Academy

113 expert-written modules across 7 tracks and 12 ancillary courses — built for HR leaders, CFOs, and benefits consultants who want to take control of their health plan.

Employer Learning

Build the confidence to lead your health plan

Practical, decision-focused education for HR leaders, CFOs, and employer benefits teams. Learn how to evaluate plan options, ask stronger questions, and take the next right step for your organization.

Advisor Learning

Equip your practice to guide employer clients

Client-ready education and shareable resources for independent benefits advisors, brokers, and consultants. Use the tools, frameworks, and explainers to support better employer conversations.

113 modules48+ hours7 tracks · 12 courses

Start with your role

A clearer path through the Academy

Choose the perspective you bring to benefits decisions. We’ll point you to a focused learning path before you explore the full Academy.

CFO

Build financial fluency for better benefits decisions.

Estimated completion: 3.5 hours

  • Healthcare Finance Fundamentals
  • Understanding Self-Funding
  • PBM Economics
  • Stop-Loss
  • Fiduciary Responsibility
  • Healthcare Cost Containment
Start this path

HR Leader

Strengthen plan oversight, employee communication, and compliance readiness.

Estimated completion: 3 hours

  • Benefits Plan Fundamentals
  • Plan Design Essentials
  • Open Enrollment Strategy
  • Compliance Fundamentals
  • Pharmacy Benefits
  • Workforce Wellbeing
Start this path

Benefits Manager

Develop practical expertise across plan operations and vendor management.

Estimated completion: 4 hours

  • Funding Models
  • TPA Evaluation
  • PBM Contract Basics
  • Stop-Loss Fundamentals
  • Plan Performance Review
  • Cost Containment
Start this path

CEO/Owner

Focus on the decisions that shape cost, risk, and workforce value.

Estimated completion: 2.5 hours

  • Healthcare Cost Drivers
  • Funding Strategy
  • Pharmacy Economics
  • Vendor Accountability
  • Fiduciary Basics
  • Benefits Strategy
Start this path

Benefits Advisor

Expand your advisory toolkit with employer-ready strategy and analysis.

Estimated completion: 4.5 hours

  • Employer Benefits Foundations
  • Funding Strategy
  • PBM Economics
  • Stop-Loss Strategy
  • Compliance Leadership
  • Advanced Cost Containment
Start this path

Explore the full Academy

Browse all learning tracks, search the module library, and continue any course you have started.

View all Academy modules

Small Group Fully Insured

Step 1 — the essential foundation before advancing to level-funded and self-funded plans

Full CourseBeginnerStart Here

Small Group Fully Insured Health Plans: A Complete Employer Guide

Master every dimension of small group fully insured plans — ACA rating rules, carrier markets, network types, underwriting, compliance, renewals, and strategy. Built for HR leaders, brokers, and benefits consultants.

15 modules50-question final exam2.0 certificate hours~6 hours

What you'll master

  • ACA small group market rules
  • Carrier selection & evaluation
  • Network types: HMO, PPO, EPO
  • Underwriting & rate factors
  • ACA compliance & reporting
  • Renewal strategy & negotiation
  • Benchmark & plan comparison
  • Transition to level funding

Level-Funded Plans

Step 2 — the natural bridge between fully insured and self-funded; a complete interactive course with tools, quizzes, and a certificate

Full CourseIntermediate

Level-Funded Health Plans: A Complete Employer Guide

Master every dimension of level-funded plans — from financial anatomy and stop-loss mechanics to underwriting, compliance, renewals, and proposal evaluation. Built for HR leaders, CFOs, and benefits consultants.

15 modules8 interactive tools50-question final exam8 certificate hours~8 hours

What you'll master

  • Financial anatomy of level-funded plans
  • Stop-loss: specific & aggregate
  • Underwriting & risk assessment
  • Compliance & ERISA obligations
  • Renewal strategy & negotiation
  • Proposal evaluation scorecard
  • Claims surplus & run-out
  • Carrier selection framework

Self-Funding Mastery

Step 3 — the capstone course and a comprehensive employer-focused self-funding curriculum

Full CourseAdvancedCapstone

Self-Funding Mastery: The Complete Employer Guide to Self-Insured Health Plans

Master every dimension of self-funded health plans — stop-loss mechanics, TPA selection, PBM contracts, ERISA compliance, cost containment, captives, and long-term financial strategy. A comprehensive employer-focused self-funding curriculum.

18 modules60-question final exam3.0 certificate hours~10–12 hours

What you'll master

  • Stop-loss mechanics & negotiation
  • TPA selection & management
  • PBM contract analysis
  • ERISA fiduciary compliance
  • Cost containment strategies
  • Mental health parity (MHPAEA)
  • Medical captives & coalitions
  • Self-funding financial management

Employee Benefits Foundations

Core concepts for benefits advisors — 15 modules, 50-question final exam, certificate of completion

Full CourseBeginner

Employee Benefits Foundations: Core Concepts for Benefits Advisors

Build a rock-solid foundation in employer-sponsored health benefits — plan types, funding models, ERISA compliance, pharmacy benefits, stop-loss insurance, and the employer-led healthcare reform movement.

15 modules50-question final exam5.0 certificate hours~8–10 hours

What you'll master

  • Fully insured vs. self-funded plans
  • ERISA, ACA & COBRA compliance
  • Cost-sharing and plan economics
  • PBM contracts & pharmacy basics
  • Stop-loss insurance fundamentals
  • Benefits communication strategy
  • Advisor compensation & CAA 2021
  • Healthcare reform landscape

Healthcare Cost Containment Strategies

Master every major cost management lever — from self-funding to PBM reform and advanced analytics

Full CourseIntermediate

Healthcare Cost Containment Strategies

Master every major cost management lever — self-funding, PBM reform, Direct Primary Care, Centers of Excellence, population health analytics, and advanced strategies.

16 modules50-question final exam5.5 certificate hours~10–12 hours

What you'll master

  • Self-funding economics & TPA selection
  • PBM contract audits & spread pricing
  • Direct Primary Care programs
  • Centers of Excellence & bundled payments
  • Population health analytics
  • Reference-Based Pricing strategy

Pharmacy Benefits & PBM Mastery

Decode drug pricing, audit PBM contracts, and build a differentiated pharmacy advisory practice

Full CourseIntermediate

Pharmacy Benefits & PBM Mastery

Decode the drug pricing system, audit PBM contracts, implement biosimilar adoption, and build a differentiated PBM advisory practice.

16 modules50-question final exam5.5 certificate hours~10–12 hours

What you'll master

  • AWP, spread pricing & rebate mechanics
  • PBM contract audits & transparent PBMs
  • Biosimilar adoption strategies
  • Specialty pharmacy management
  • International drug sourcing
  • PBM RFP & advisory practice

Benefits Compliance & Legal Requirements

Master ERISA, ACA, COBRA, HIPAA, MHPAEA, and every major federal compliance obligation

Full CourseIntermediate

Benefits Compliance & Legal Requirements

Master ERISA, ACA, COBRA, HIPAA, MHPAEA, the No Surprises Act, and every major federal compliance obligation for employer health plans.

16 modules50-question final exam5.5 certificate hours~10–12 hours

What you'll master

  • ERISA fiduciary duty & plan documents
  • ACA employer mandate & reporting
  • COBRA administration
  • HIPAA Privacy & Security Rules
  • MHPAEA parity requirements
  • No Surprises Act & TiC rule

Health Plan Design & Strategy

Master HDHP+HSA, VBID, Direct Primary Care, and advanced plan design strategies

Full CourseIntermediate

Health Plan Design & Strategy

Master HDHP+HSA, Value-Based Insurance Design, Direct Primary Care, Centers of Excellence, behavioral economics, and advanced plan design strategies.

15 modules50-question final exam5.0 certificate hours~9–11 hours

What you'll master

  • HDHP+HSA & consumer account design
  • Value-Based Insurance Design (VBID)
  • DPC & COE integration
  • Behavioral economics & choice architecture
  • Benefits benchmarking & renewal strategy
  • Plan design advisory practice

Workforce Health & Wellbeing Strategy

Master population health, mental health programs, and wellbeing ROI measurement

Full CourseIntermediate

Workforce Health & Wellbeing Strategy

Master population health management, mental health programs, obesity management, sleep health, workplace safety, and wellbeing ROI measurement.

15 modules50-question final exam5.0 certificate hours~9–11 hours

What you'll master

  • Population health management
  • Mental health & SUD programs
  • Tobacco cessation & obesity management
  • Sleep health & workplace safety
  • Wellbeing vendor management
  • Wellbeing ROI measurement

Advanced Benefits Strategies

Master direct contracting, group captives, AI analytics, and cutting-edge employer strategies

Full CourseAdvanced

Advanced Benefits Strategies

Master direct contracting, group captives, AI analytics, international drug sourcing, pharmacogenomics, employer coalitions, and gene therapy risk management.

16 modules50-question final exam5.5 certificate hours~10–12 hours

What you'll master

  • Direct hospital & provider contracting
  • Group captive structures
  • AI predictive modeling & NLP
  • International drug sourcing
  • Pharmacogenomics programs
  • Gene therapy risk management

Ancillary & Voluntary Benefits

Life, disability, accident, critical illness, hospital indemnity, GAP, and lifestyle spending accounts

Core Benefits

Core BenefitsBeginner

Employer-Offered Life Insurance

7 lessons · 1.0 certificate hours · ~0.9h

Start Course
Core BenefitsIntermediate

Long-Term Disability Insurance

11 lessons · 1.5 certificate hours · ~1.2h

Start Course
Core BenefitsBeginner

Short-Term Disability Insurance

8 lessons · 1.0 certificate hours · ~0.9h

Start Course

Voluntary Benefits

Voluntary BenefitsBeginner

Accident Insurance

6 lessons · 1.0 certificate hours · ~0.7h

Start Course
Voluntary BenefitsBeginner

Critical Illness & Cancer Insurance

7 lessons · 1.0 certificate hours · ~0.8h

Start Course
Voluntary BenefitsBeginner

Hospital Confinement & Hospital Indemnity Insurance

6 lessons · 1.0 certificate hours · ~0.7h

Start Course
Voluntary BenefitsIntermediate

Medical GAP Insurance

7 lessons · 1.0 certificate hours · ~0.8h

Start Course

Workforce Benefits

Workforce BenefitsIntermediate

Lifestyle Spending Accounts

7 lessons · 1.0 certificate hours · ~0.8h

Start Course
CapstoneAdvanced

Capstone: Building an Integrated Ancillary Benefits Strategy

Complete all 8 topic courses to unlock · 1.0 certificate hours

Start Capstone
ComplianceAdvanced

CAA 2026: The Complete Employer Guide

18 modules · 9.0 certificate hours · ~9h · PBM reform, fiduciary duties, MHPAEA, enforcement

Start Course

Ready to Apply What You've Learned?

Score your current plan across 12 performance domains and get a personalized action plan — no obligation.

Certificate hours are EBIQ educational certificate hours awarded upon course completion. They represent estimated instructional time and are issued as a certificate of completion. EBIQ certificate hours are not approved insurance continuing education (CE) credits unless specifically stated for a given course. Consult your state's CE requirements for approved credit sources.