Established in 1972, Independent & Retail Business Associates, Inc (IRBA)  was created to develop for small business and the self-employed, programs and services normally available only to big corporations. Membership grew quickly and by 1975, the Associations influence had found ready acceptance in New Hampshire, Maine, Vermont and New York and more recently in Nevada. Membership is currently over 15,000 members. Today, thousands of owners, employees and family members of small businesses and individuals participate in the varied programs sponsored and administered by IRBA. Below are the Health and Dental plans available to IRBA members. All documents are in Adobe PDF format and must be downloaded,  printed or viewed with Adobe Acrobat Reader. Click below to get Acrobat Reader for free.

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Atlantis IRBA Plans
Effective 8/1/2010 

• Rates/Plan  
• Benefits
• Forms/Kit
• Atlantis Enrollment Application

GHI PPO IRBA Plan
Effective 10/1/10

• Rates/Plans
• Benefits
• Forms/Kit

Emblem IRBA HSA Compatible Plans
PPO & EPO Plan
Effective 10/1/10

• Rates/Plan
• Benefits
• Forms/Kit

HIP IRBA Plans
Effective 4/1/10
_{(Renews 4/1/11 regardless of effective date)}   

• Rates/Plans
• Benefits
• Forms/Kit

Davis Vision Plan

• Rates
• Benefits
• Forms/Kit  
• Premier Plan Description
• Designer Plan Description
  

Cigna Dental IRBA Plan
Effective 5/1/2010

• Rates
• Benefits
  
• Forms/Kit

Living Natural DiscountVitamins, Health Foods & Nutrition Information
Exclusively for IRBA Members

• Vitamins, Health Foods & Nutrition Information