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Access iSolved People Platform, background checks, and HR Support Center tools from iBusinessSolutions to streamline your business operations. Explore Helpful Business Resources from iBusinessSolutions Helpful Business Resources to Simplify Your Operations Running a small business comes with its share of challenges, but managing payroll, HR, and compliance doesn’t have to be one of them. At iBusinessSolutions, we’re proud to be your Sarasota-based partner, turning your administrative mountains into molehills. Explore our curated resources below to streamline your operations, save time, and focus on growing your business. From payroll platforms to compliance tools, we’ve got you covered with expert solutions tailored for businesses across the U.S. (except Hawaii and Puerto Rico). iSolved People Platform Simplify payroll, HR, and timekeeping with the iSolved People Platform, powered by iBusinessSolutions. This cloud-based tool automates paychecks, tracks employee hours, and manages benefits—all in one user-friendly system. Whether you’re in Sarasota or nationwide, iSolved helps you save time and reduce errors, so you can focus on what matters most. Learn More About iSolved: /isolved-platform Access Now Background Check Tool Hiring the right talent starts with trust. Our Background Check Tool provides fast, reliable screening to ensure your new hires align with your business values. From criminal history to employment verification, this secure service helps you make informed decisions with confidence. Partner with iBusinessSolutions to streamline your hiring process today. Access Now HR Support Center Navigating HR challenges can feel overwhelming, but our HR Support Center makes it easy. Access expert guidance, templates, and compliance resources to manage employee relations, policies, and more. Backed by iBusinessSolutions’ personalized support, this tool empowers you to handle HR like a pro, without the stress Access Now IRS Small Business Tax Center Stay compliant with federal tax requirements using the IRS Small Business Tax Center. This free resource offers guides, forms, and webinars to help you understand payroll taxes, deductions, and more. Pair it with iBusinessSolutions’ payroll services to ensure your tax filings are accurate and stress-free. Access Now iBusinessSolutions Blog Get expert tips and insights from our Sarasota team on our blog. From simplifying payroll to mastering benefits administration, our articles help you tackle common business challenges with confidence. Check out our latest post, “5 Ways to Simplify Payroll for Your Small Business,” and discover how we turn mountains into molehills Access Now Ready to Turn Your Mountains into Molehills? At iBusinessSolutions, we’re more than a payroll and HR provider—we’re your local partner in Sarasota, dedicated to simplifying your business operations. With over 20 years of expertise and $250,000 in annual community investment, we’re here to help you thrive. Contact us today for a free consultation and see how our resources and services can work for you. About iBusinessSolutions’ Nationwide Service iBusinessSolutions is one of the fastest-growing payroll companies, proudly based in Sarasota, Florida. We serve businesses in Tampa, St. Pete, Bradenton, Venice, Port Charlotte, and across the U.S. (except Hawaii and Puerto Rico). Our services include Payroll, Human Capital Management, Timekeeping, Workers’ Comp, and Health Insurance. With over 50 years of combined experience, we look forward to working side by side with your growing business. Request A Consultation

iBusinessSolutions provides industry-leading services for managing payroll, workers comp, and employee benefits. Serving small to medium business in Tampa and beyond. Schedule a demo Payroll & HR in one easy to use system. • Payroll, HR, On-Boarding, Time & Compliance. • Process on Desktops, Tablets & Mobile Devices. • Workers Compensation & Health Insurance Plans. • A La Carte Billing – Only Pay For Services You Use Professional Services For All Business Budgets Nationwide iBusinessSolutions provides payroll services for any small to medium sized business in every U.S. state except Hawaii and Puerto Rico. Our clients have the ability to manage the payroll related services from any device connected to the internet. More importantly, it is safe, secure and easy to do. You will be on a first name basis with your team of payroll professionals that will know the details of your business. No more long customer service holds for someone that doesn’t know your business history. Payroll Services Payroll processing, human capital management, labor law compliance, tax compliance, and more. Our payroll solution provides you secure access from any device connected to the internet. View More Health Insurance Attract, hire and retain quality employees with our tailored “Fortune 500 Plans.” Medical, PPO, HMO, HSA, HRA, Dental, Life, Long and Short-term Disability, and more. View More Workers’ Compensation Reduce your workload. We handle your payments, audits and more. Pay as you go premiums, multiple carriers & plans, audit assistance, class code verification. View More Human Resources Integrated Human Resources, Compliance, 24/7 access to SPHR Certified Professionals. View More iBusinessSolutions: 100% Control Of Your Business Whether you are an existing client or a company seeking payroll services, iBusinessSolutions, based in Sarasota, Florida, is here to make a difference every step of the way. From the initial payroll services quote to the enrollment, to the ongoing personal touches you receive, we focus on providing a level of service unparalleled in our industry. It is the goal of our agency to ensure that all of our clients, whether individuals or businesses, fully understand their insurance and benefits options, while they are utilizing a plan that matches their specific needs. Learn More HR Empowerment Put into Perspective Here’s an example of how HCM technology can empower your HR department to make data-backed decisions: You’re heading into your busy season and you’ve started to realize you might be a bit short-staffed. You call a management meeting to discuss what to do about it. Luckily, your HR manager is there prepared with data on turnover percentage and call-off rates. That information, coupled with operations’ data on productivity per individual, helps you pinpoint exactly how many more employees you’ll need to hire and in which departments. So, you don’t have to worry about wasting time or money on unnecessary onboarding. This data didn’t just come out the blue. Nor did it come from hours of manual reporting and tracking. It came from an automated, easy to digest dashboard of reports, thanks to your HCM technology. HCM Technology Empowerment Tip If you aren’t already giving HR a seat at the management table, you should be. Either way, human resources should be an integral part of your everyday operations. A service that brings HR and payroll together in unified HCM technology will help get you there. Find out why iBusinessSolutions is one of the fastest growing companies in Payroll, Human Capital Management, Timekeeping, Workers Comp, and Health Insurance. Schedule a demo

Veterinary Management Group Payroll & HR Solutions iBusiness Solutions is proud to partner with VMG We understand the unique challenges faced by veterinary practices. Workforce turnover is disruptive, and finding and retaining talented staff is increasingly difficult. Rising labor costs and complex regulatory requirements add further pressure. iBusiness Solutions offers comprehensive Human Capital Management (HCM) technology to help your organization stay compliant, while empowering your business leaders with the intelligence to make timely recruiting, compensation, staffing, and development decisions—ultimately optimizing both patient care and margins. Our solutions are designed to: Reduce turnover by predicting retention risks and focusing resources. Improve patient outcomes by automating manual processes and saving time. Manage a single, continuous employee record from hire to retire. Deliver an adaptable employee experience across multiple work environments. Efficiently navigate HR/payroll complexities associated with shift work, credential tracking, and ongoing learning. Maintain compliance with the latest reporting, accreditation, and regulatory requirements. Provide personalized onboarding to expedite time-to-productivity. Predict attrition risks to mobilize your retention efforts quickly and reduce the impact of turnover. Choose your Package Employ SELECT Engage SELECT Empower SELECT Payroll & Tax Management Administration for all aspects of payroll, pay cards, garnishments, expense reimbursement, salary management HR Software Compensate your workforce while securely storing data across the employee lifecycle. Eliminates paper files, streamlines HR workflows and reduces errors and inefficiencies HR Compliance Library Take the guesswork out of HR and employee benefits compliance so you can focus on what really matters. Employee Discount Marketplace Employees access a wide variety of event, hospitality, and retail discounts to improve employee experience. Time & Labor Management Ensure accurate payroll and compliance while efficiently managing time, labor, and attendance across your entire workforce—even employees who are remote or on the go. Guided HR Compliance & Employment Law Posters All the great features of the HR Compliance Library + 24/7 access to SPHR certified advisors to help answer all your HR related questions. Scheduling Management of coverage requests with approval routes and schedule change notifications, including graphical scheduler view and advanced features for hybrid work. Onboard & Develop Provide analytics, templates, and wizards to ensure consistency and compliance as you onboard new employees and connect with them in more meaningful ways. Benefits Enrollment & Administration Enhance your employee experience, simplify enrollment, and relieve headaches by consolidating HR and benefit administration to gain efficiency and industry competitiveness. ACA Compliance Proactive ACA requirement notifications including real-time dashboard. Add on Products and Services to any package Attract & Hire* - ATS System Simplify the way you attract and hire qualified candidates that best fit your organizational needs with an Applicant Tracking System (ATS) that optimizes every stage of your hiring process. *Pre-hiring assessments and e-verify / I-9 work eligibility verification available at an additional cost. Learn & Grow* Curated selection of online training & places with built-in course management. Share & Perform* Recognizing employees beyond the context of work serves as a valuable post-pandemic opportunity—one that can boost employee engagement and customer experience. With isolved Share & Perform, enable multi-directional employee communication that drives toward a transformative company culture. Built-in employee recognition and performance management tools allow both employees and managers to engage in maximum business success. Talent Acquisition Services* Our talent acquisition services provide everything you need to streamline your recruitment process so you can hire top talent and scale your business. * Carries additional fees as well as a 1 year contract commitment Ready to select a package? Fill out this short form to connect with an iBiz/VMG expert today!

iBusinessSolutions makes insurance compliance easy—manage your certificates of insurance online, reduce liability, and simplify vendor risk management. Sign up now! Take Control of Your Insurance Certificates — Fast, Easy, Online Sign Up to Process your own Certificates! Initial Request Create an email to: COI@iBusinessSolutions.com Allow 48 Hours to process this request. Once complete, you will receive confirmation with a provided password. Be sure to save this password so that way it is not lost. Once Setup is Complete Visit the following website to begin processing certificates: NowCerts Login Enter the email address requested at Initial Request and password provided in confirmation email If password is lost you can request that it be e-mailed to you after supplying the appropriate email address. Insert Proper Certificate Holder Information (Name and Address) Click Continue Completed Certificate will populate automatically. Sign me Up for Self Service Four Reasons Why Certificates of Insurance Are Essential 3. Reduces liability. By carefully documenting certificates of insurance from all third-party vendors, you're setting yourself up nicely for transferring loss to that party's insurer in the event that something goes wrong. 4. Protects you when outsourcing. Contingent work comes with a unique set of insurance hazards. Performing due diligence and checking each vendor's policy against your requirements could profect you from incidents that could lead to costly litigation and effect the profitability of your ventures. 1. Proves your insurance status. The COI is a summary of an insurance policy. It effectively serves as proof of insurance, without the bulk of the policy itself. 2. Provides quick access to information. A COI constitutes an express version of an insurance policy. This convenience could save you dozens of hours of work each year. For projects big and small, liability concerns must be mitigated. Otherwise, project owners, managers, and lenders remain vulnerable to inadequate loss transfer—suffering blows to their reputations every time they are found liable for an accident or oversight. Projects of a substantial size, such as hotel construction, include countless third parties to keep track of, including investors, general contractors, subcontractors, and even passersby. All parties working on a project should have an insurance policy of some kind, but reviewing every letter of each policy would be a full-time job in itself. Plus, doing so leaves ample opportunity for missing essential details. Your best chance at successfully mitigating risk and reducing liabilities is to carefully document, track, and manage valid certificates of insurance from third parties. Worker Comp Quote What is a Waiver of Subrogation (WOS)? By Definition: Subrogation is a legal principle in which a person who has paid another expenses or debt assumes the others rights to recover from the person responsible for the expenses or debt. For example, if someone hits your car in a parking lot and causes significant damage, your insurance company will pay you for the damage (assuming you bought collision insurance,) then recover the amount of its payment (subrogate) from the other driver (or, more commonly, from the driver’s insurance company.) Subrogation holds ultimately responsible the person who should pay for the damage. Workers’ compensation policies require an endorsement whenever a waiver of subrogation is desired. This endorsement may apply on a blanket basis to all parties with whom the insured has written contracts requiring waivers. Alternatively, it can apply only to the party listed on its schedule. The insurance company may charge up to two percent of the policy premium for blanket coverage or two to five percent of the project’s premium for individual coverage. Find out why iBusinessSolutions is #1 in Sarasota for Payroll, Human Capital Management, Timekeeping, Workers Comp, and Health Insurance. Get In Touch

Group health insurance plans that support your team and keep your business compliant. Expert service available nationwide. Get your quote today! Customized Group Health Plans for Your Business Needs Comprehensive Health Insurance Solutions for Your Employees At iBusinessSolutions, we specialize in designing Group Health Benefit Plans tailored for Sarasota and Southwest Florida businesses with 4 or more employees. Our expert team creates affordable, compliant, and comprehensive medical packages that help you attract and retain top talent while simplifying benefits administration. Let us handle the complexities of health insurance compliance so you can focus on growing your business. Contact Us Today Why Choose Group Health Benefit Plans with iBusinessSolutions? As your business grows, offering competitive employee benefits becomes essential. Our group health plans provide: Cost-Effective Coverage: Affordable rates for businesses of all sizes, potentially saving you thousands annually. Compliance Expertise: Navigate ACA, COBRA, and Section 125 requirements with confidence, avoiding costly penalties. Customized Solutions: Tailored plans (PPO, HMO, HSA, HRA, and level-funded options) to meet your workforce’s needs. Employee Satisfaction: Boost retention with comprehensive medical, dental, life, and disability plans that show you value your team. Local Support: As a Sarasota-based partner, we understand the unique needs of Southwest Florida businesses but also provide solutions nationwide. Our Group Health Benefit Offerings We provide a full suite of employee benefit plans to suit any industry, ensuring your business stays competitive and compliant. Group Medical Insurance: Comprehensive plans including PPO, HMO, HSA, plus level-funded solutions for cost control. Group Dental Plans: Affordable dental coverage to complement your medical benefits package. Group Life Insurance: Offer your employees peace of mind with customizable life insurance plans. Short-Term and Long-Term Disability: Protect your workforce with income replacement options for unexpected health challenges. Supplemental Plans: Enhance your benefits with supplemental insurance products. Section 125 Plans: Save on taxes and increase employee take-home pay with pre-tax benefit options. Group Insurance Quote Certificate of Insurance A certificate of insurance is a document used to provide information on specific insurance coverage. The certificate provides verification of the insurance. Learn More Group Health Insurance Quote Health insurance is a way to pay for health care. It protects you from paying the full costs of medical services when you’re injured or sick. Learn More Payroll Services Quote You do not need an accounting expert to manage your payroll function in the office. We offer a simplified online payroll software and service. Learn More Workers Comp Quote With the right experience and guidance, we can control the working parts of your policy and reduce the premiums you pay each year. Learn More Simplify Compliance and Benefits Administration Navigating the complexities of employee benefits can be overwhelming, especially as your business scales. iBusinessSolutions takes the stress out of compliance by: HSA Plans Ensuring adherence to ACA regulations, COBRA requirements, and other federal mandates. Providing Certificates of Insurance to verify coverage for your records. Offering expert guidance on Section 125 plans to maximize tax savings for you and your employees. Streamlining benefits enrollment and administration with user-friendly tools and personalized support. With iBusinessSolutions, you’ll have a trusted partner to manage your group health benefits, so you can focus on what matters most—running your business. Contact us today to explore how our group health plans can save you money and enhance your employee benefits package. Group Health Quote Individual Medical Insurance Integrated Payroll and HR Solutions In addition to group health benefits, iBusinessSolutions offers simplified payroll services and human capital management tools to streamline your operations. Our online payroll software eliminates the need for in-house accounting expertise, while our timekeeping and workers’ compensation solutions help you manage costs effectively. Learn More About Our Payroll Services Request a Workers’ Compensation Quote Why iBusinessSolutions is Sarasota’s Trusted Benefits Partner As the #1 choice in Sarasota for payroll, human capital management, and group health benefits, iBusinessSolutions is committed to helping local businesses thrive. Our deep understanding of Southwest Florida’s business landscape, combined with our expertise in compliance and benefits administration, makes us the ideal partner for your growing company. Find out why iBusinessSolutions is #1 in Sarasota for Payroll, Human Capital Management, Timekeeping, Workers Comp, and Health Insurance. Learn More

iBusinessSolutions is the premier payroll, HR, and benefits management company in Sarasota, FL. Learn more about our nationwide services and company values. About iBusinessSolutions Our work is Payroll. Our Passion is People. Co-Founder David Yohn Co-Founder Jamie Dunnan Sales MGR / Partner Michael Braun Since 2008, iBusinessSolutions has brought innovation, premier customer service, and robust technical solutions to hundreds of businesses of varying size and industry. From hire to retire, we provide the thorough support and assistance you need to ensure that your business meets and exceeds its goals. Our wealth of expertise in employee management, human resources, payroll, workers' compensation, and insurance paired with program monitoring, legal compliance, and evaluation of proper insurer performance establish our edge and diversity when servicing your business. Our solutions have transformed how businesses manage their most vital asset: their people. We deliver comprehensive, scalable, and high-value outcomes that are valued by employers, entrepreneurs, and customers. Our Mission: To turn our clients’ mountains into molehills by simplifying their complex processes. Our Vision: To invest $250,000 annually into our team and community to inspire positive change. Our Values Simplicity we take complicated subjects, break them down and package them in a way that can be easily understood. we ensure our message is understood with confirmation. we are sensitive to the needs and timeline of others. we intentionally seek out the needs of others. Communication Compassion Community Ownership we accept full responsibility for our actions.

Explore flexible payroll packages with HR, compliance & onboarding tools. Trusted by Florida businesses and companies nationwide. Get started today. Choose Package: Payroll & HR Solutions Payroll & Tax Management Administration for all aspects of payroll, pay cards, garnishments, expense reimbursement, salary management iCore SELECT iComp SELECT HR Software Compensate your workforce while securely storing data across the employee lifecycle. isolved Human Resources eliminates paper files, streamlines HR workflows and reduces errors and inefficiencies HR Compliance Library HR Basic takes the guesswork out of HR and employee benefits compliance so you can focus on what really matters. Accrual Tracking Automate your PTO, Sick, Vacation and any other accruals your company tracks in one easy to use system. Guided HR Compliance & Employment Law Posters All the great features of the HR Compliance Library + 24/7 access to SPHR certified advisors to help answer all your HR related questions. Onboard & Develop Integrated workflows to automate employee onboarding & offboarding. Online Benefits Enrollment Easily set up and administer employee benefits to drive self-service enrollment and election changes. Deliver a simple benefits experience to attract and retain top talent within your organization. ACA Compliance Proactive ACA requirement notifications including real-time dashboard. Find out why iBusinessSolutions is #1 in Sarasota for Payroll, Human Capital Management, Timekeeping, Workers Comp, and Health Insurance. Schedule a demo

Have questions or need support? Contact iBusinessSolutions for trusted HR and payroll software solutions tailored to your business needs. Get in Touch | iBusinessSolutions iBusinessSolutions has been supporting our community and customers since 2008 and will always be there to lend a hand. Contact us today! iBusinessSolutions, Inc. 7020 Professional Parkway E Suite #100 Sarasota, FL 34240 Main Line (941) 487-7275 Enterprise Line (941) 487-4099 Benefits/WC Fax (941) 761-5181 Payroll Fax (941) 761-5128 Contact Us Submit Thanks for submitting!

Streamline your company's payroll processing with efficient and reliable payroll processing services from iBusiness Solutions. Payroll processing is available nationwide. Nationwide Payroll Processing Services Compare Payroll Providers. For Your Free Demo Call (941) 487-7275 Payroll Processing in all U.S States. Payroll Processing is more than just paying your employees for the work they have completed. Our payroll service includes compliance such as record keeping, federal payroll taxes, state payroll taxes, payroll schedule, direct deposit and so much more. Get a Free Quote Nationwide Payroll Processing Compliance Government requirements for compliance for payroll, payroll taxes, and payroll processing records continue to change year after year. One specific thing the IRS is requiring e-filing a requirement for almost all businesses. The complication quantifies when multiple agencies have different systems for things like tax filing, payroll taxes, and withholding’s. We found that most small business spend countless hours managing payroll compliance. This time and energy can cause stress and anxiety. You need a payroll service that can automate payroll processing and tax compliance. We can help! 1 of 16 Compliance issue we solve : Wage & Tax Information Federal Personal Income Tax In order to set up your payroll for your W-2 employees, you will need your employees to fill out a W-4 form for the Department of the Treasury Internal Revenue Service. The purpose of this form is to document and begin to withhold accurate federal income tax. State Personal Income Tax State Income taxes are a bit complicated. Each state has separate laws regarding income tax. The rates start at 0% and can go as high as 13.3%. Each state has its own forms (for more information on payroll taxes click here). Learn more Get a FREE Quote iBusinessSolutions Payroll Features Online Payroll Processing Access your payroll anytime from anywhere. iSolved is a secure payroll service with all information located on on the cloud. Direct Deposit & Pay Cards The fastest way to process payroll. Safe and cost effective. Direct deposit paystubs are available for employees online 24/7. Payroll Tax Filing Processing payroll tax forms is automated and simplified with iSolved. Multi-state or multi-location tax filing is a breeze. Employee Self Service Employee access to payroll information at any time online. Employees can make address changes, filing status an so much more. Payroll Compliance 50 or more full-time employees? ACA compliance with simple process to produce your information for IRS Forms 1094 and 1095. Payroll Security Strict SSAE-16 certified data centers, and SSL compliant cloud-based offering. Top level, cutting edge security to keep your data safe. ACA Reports Affordable Care Act requires reporting requirements. With iSolved provided by iBusinessSolutions, you are compliant from day one. Garnishments Payroll garnishments are a breeze with easy to manage payroll processing. Accurately set up garnishments with language used by the courts. Whats new with Payroll Processing? Ditch the Post-It Notes: Streamline Summer Time-Off Management with iBusinessSolutions Summer is here, and for many small to medium-sized businesses, that means a flurry of vacation requests, personal days, and time-off... 17 Years of Innovation and Growth: The Journey of iBusinessSolutions As iBusinessSolutions celebrates its 17th anniversary on June 6, 2025, it’s a moment to reflect on a remarkable journey of growth,... Sarasota’s “Season” Winds Down: Time to Recharge, Reassess, and Save with iBusinessSolutions The end of Snowbird Season is the perfect time to step back from working in your business and start working on it. Remember those ambitious goals you set back in January? Now’s the moment to dust them off, reassess, and make meaningful progress on things like payroll and benefits updates Find out why iBusinessSolutions is one of the fastest growing companies providing Payroll, Human Capital Management, Timekeeping, Workers Comp, and Health Insurance. Learn more

Streamline HR operations with cloud-based software from iBusinessSolutions. Manage compliance, employees, and payroll with one powerful solution. Get started today! All-in-One Cloud HR & Payroll Software Payroll + Human Resources We bring the all the functions of Payroll and Human Resources together which simplifies your people management. Payroll, HR, On-Boarding, Time Management, Benefits and more are all in one easy to use program. There’s no more exporting or importing. No more integrations. Our cloud based system is built from the ground up based on our customers feedback, so you can run payroll quickly and error-free. Learn More One System for ALL your Payroll & HR Needs The best solution for managing the HR related functions such as compensation, recruiting, hiring, policy development, workplace management, performance management, training and so much more. Free Demo Call (941) 487-7275 Fast FREE Quote HR SOFTWARE Technology that empowers organizations to do more. It spans the entire employee life cycle, provides insight to your workforce and drives performance. Human Resource Tools Manage and strengthen your workforce with highly configurable reporting and multi-level performance management tools. Easily onboard your talent, pull compliance reports or complete performance reviews. Onboarding Our customizable onboarding process streamlines new hiring. PTO/Vacation Accrual Management Employees have access to accrual and PTO data anytime. Employee Self Service Improve HR efficiency by providing self-service tools to your staff. Job History Maintain accurate and accessible records for every employee. Salary Management Manage salary and benefits status and history. Training & Performance Manage performance reviews and training history right through iSolved. Document OSHA Incidents and other employee records to ensure your compliance. Once onboarded, all the data moves along to time, payroll, and benefits enrollment. iSolved streamlines the entire process, destroying paperwork and providing accuracy, efficiency and the tools you need to understand your workforce. Personal information Emergency contacts Direct deposit Voluntary benefits enrollment W-4/I-9 WOTC Find out why iBusinessSolutions is #1 in Sarasota for Payroll, Human Capital Management, Timekeeping, Workers Comp, and Health Insurance. Schedule a demo

iBusinessSolutions provides machine-readable files with in-network negotiated rates and out-of-network allowed amounts per the Transparency in Coverage Rule. Transparency in Coverage: View Health Plan Data The Transparency in Coverage final rules require non-grandfathered group health plans and health insurance issuers offering non-grandfathered coverage in the group and individual markets to disclose on a public website information regarding: In-network negotiated rates for covered items and services Out-of-network allowed amounts and billed charges for covered items and services As of July 1, 2022, these machine-readable files (MRFs) must be made “publicly available and accessible to any person free of charge and without conditions, such as establishment of a user account, password, or other credentials, or submission of personally identifiable information (PII) to access the file” and must be updated on a monthly basis. The website where these MRFs will be housed is: Click on the logo below Fully Insured Level Funded Important notes about these files: These files are extremely large (minimum file size is 20 GB) and are designed to allow researchers, regulators, and application developers with data related to payment rates for health care services. Due to the size of these files, an individual’s ability to view or download these files will be dependent on their hardware, browser, and internet speed. The data on these files does not reflect the application of benefits or cost-sharing (deductibles, copayments, coinsurance) for a specific health plan. Each MRF uses a standard data format and schema (JSON) defined by federal agencies. For fully insured groups, there will be one MRF per plan network (BlueOptions, BlueCare, etc.). For self-insured groups, there will be one MRF per plan network (BlueOptions, BlueCare, etc.) per group employee identification number (EIN). Users should contact their employer directly to obtain their EIN. All MRFs will only include rates for benefits that Florida Blue or Truli for Health administers – rates for benefits that are “carved out” to other vendors (i.e., pharmacy) will have to be obtained from that vendor.