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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Easy Choice IRBA Plans (formerly Atlantis)

Effective 8/1/2011 

• Rates/Plan  
• Benefits
• Forms/Kit 2011-12
• Easy Choice Enrollment Application

GHI PPO IRBA Plan
Effective 1/1/12

• Rates/Plans
• Benefits
• Forms/Kit

Emblem IRBA Plan Changes
12/7/10 - Please note that we have been informed that  Plan One PPO of the Emblem IRBA HSA offering is no longer available for New Business for the First Quarter of 2010.  If your existing IRBA groups are currently enrolled, they can stay in their current plan and can also renew into the current plan, however, they can not be sold as new business, or if they renew into another IRBA group, they cannot return to those plans. 

Emblem IRBA HSA Compatible Plans
EPO Plan
Effective 1/1/12

• Rates/Plan
• Benefits
• Forms/Kit

HIP IRBA Plans
Effective 5/1/11

_{(Renews 4/01/12 regardless of effective date)}   

• Rates/Plans
• Benefits
• Forms/Kit

Davis Vision Plan

• Rates 2011
• Proposal
• Forms/Kit  
• Premier Plan Description
• Designer Plan Description

Cigna Dental IRBA Plan
Effective 5/1/2011

• Rates
• Benefits
  
• Forms/Kit

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

• Vitamins, Health Foods & Nutrition Information