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The top three
AI
01
All in one
Enroll, bill, prospect, and way more.
- Enrollments
- CHOICE Arrangements
- TPAs (AI powered)
- CRM (AI powered)
- Quoting (AI powered)
- Email + SMS (AI powered)
- +5 more
02
Automated
Setup in ~1 week, automate the rest.
- Commissions (AI powered)
- Eligibility
- Billing
- Customer Support (AI powered)
- Bill negotiation (AI powered)
- +3 more
03
Mobile app
AI-guided healthcare experience.
- ID Cards
- Claims (AI powered)
- Bill scanning (AI powered)
- Plan changes
- Live Chat (AI powered)
- +4 more
The full comparison
36 rows open the screen behind them. Hover the eye, or tap it on a phone.
| Feature | Legacy Systems and Companies | AllAboard365 | ||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Affiliates | ||||||||||||||||||||
| Affiliate onboarding
app.allaboard365.com/tenant-admin/agents All affiliatesOnboardingDownline
One link. They fill in the rest. | Manual configuration and custom coding | One link with a contract code | ||||||||||||||||||
| Custom affiliate portals
app.allaboard365.com/agent/dashboard
Members318 This month24 MTD$8,420 Your brand. Their book only. | Custom coding needed | Included | ||||||||||||||||||
| Affiliate training modules and quizzes
app.allaboard365.com/agent/training Assigned packagesCertificates
Packages gate what they can sell. | No | Yes | ||||||||||||||||||
| Affiliate leaderboards
app.allaboard365.com/tenant-admin/reports By affiliate, by month. | No | Yes | ||||||||||||||||||
| Automatic affiliate promotions | No | Soon Coming soon | ||||||||||||||||||
| Commissions | ||||||||||||||||||||
| Commission configuration
app.allaboard365.com/tenant-admin/commissions Rule groupsTier ConfigurationOverrides
Set once on a group. Never per affiliate. | Configured per affiliate, by hand | One-time setup with AI assist | ||||||||||||||||||
| Commission payouts
app.allaboard365.com/tenant-admin/payments PayoutsPast payoutsReconcile Payments1,284 Recipients96 Batch$164,208
One run. NACHA file built, ledger paid. | Multi-step manual process, easy to get wrong | One click, or fully automated | ||||||||||||||||||
| Split commissions
app.allaboard365.com/tenant-admin/commissions Rule groupsSplitsOverrides
Every payment. No spreadsheet. | Worked out by hand, per payment | Splits across affiliate, upline, agency, and vendor on their own | ||||||||||||||||||
| Advances and clawbacks
app.allaboard365.com/tenant-admin/agents/4187 OverviewBookCommissionBanking
Recovers itself as commission accrues. | Tracked manually by your staff | Advances recover as commissions accrue, refunds net automatically | ||||||||||||||||||
| Member & enrollment experience | ||||||||||||||||||||
| Customizable enrollment experience
app.allaboard365.com/tenant-admin/enrollment-links LinksTemplatesSteps
Steps are a toggle, not a ticket. | No | Yes | ||||||||||||||||||
| Mobile friendly 9:41
The whole enrollment, thumb-sized. | No | Enroll from a phone | ||||||||||||||||||
| eSignature setup | Convoluted | Easy | ||||||||||||||||||
| Passwordless sign-in 9:41
No password. No reset calls. | Password setup required | Instant SMS or email code | ||||||||||||||||||
| White-labeled mobile app 9:41 Your brand ACTIVE Dana ReyesPRIMARY
Your name in the App Store. | Not supported | Yes | ||||||||||||||||||
| Claims 9:41
They track it. You do not. | Not supported | Submit and track status in the mobile app | ||||||||||||||||||
| Bill submissions 9:41
Reading bill IMG_4417.HEIC
Photographed, read, sent to the TPA. | Not supported | OCR scan from the mobile app, sent straight to the TPA | ||||||||||||||||||
| Live chat 9:41
AI first. A human when it matters. | Not supported | AI plus human live chat | ||||||||||||||||||
| AI plan and account navigator (Columbus) 9:41
Their plan. Their ledger. Their answer. | No AI support | Yes | ||||||||||||||||||
| Self-service payment management 9:41
They change the card. Not you. | Requires manual admin intervention | Members update payment methods and pay bills themselves | ||||||||||||||||||
| ID cards 9:41 Your brand MEMBERSHIP BUNDLE Dana ReyesPRIMARY
ROUTINE COPAYS Straight into Apple and Google Wallet. | Hand-coded HTML | Apple and Google Wallet, AI-customized | ||||||||||||||||||
| AI bill negotiation 9:41 
Scanned, flagged, disputed for them. | None | Soon Coming soon | ||||||||||||||||||
| Virtual provider-visit card | None | Soon Coming soon | ||||||||||||||||||
| Telemedicine | ||||||||||||||||||||
| Telemedicine 9:41 Access 24/7 Telemedicine for Free Urgent Care Talk to a licensed provider in minutes. New ConsultationAlready signed in. No second app. | No integration supported | Reached from the mobile app over SSO, no second login | ||||||||||||||||||
| Eco Friendly Mode 9:41 Access 24/7 Telemedicine for Free Urgent Care Talk to a licensed provider in minutes. New ConsultationReady to begin a consultation? CancelYes, begin This tap starts the billable month. | Not supported | Telemedicine switches on for a member the month they actually use it | ||||||||||||||||||
| Vendor cost for unused telemedicine
app.allaboard365.com/tenant-admin/vendors InvoiceUsageConfig Enrolled4,120 Used it268 Withheld$57,780
268 used it. The other 3,852 are not billed. | Every enrolled member billed every month, used or not | Withheld from the vendor invoice, so you pay for consultations rather than headcount | ||||||||||||||||||
| Employer groups | ||||||||||||||||||||
| Group setup
app.allaboard365.com/tenant-admin/onboarding-links
The employer does it. Fifteen minutes. | Manual setup for every group | One link, about 15 minutes | ||||||||||||||||||
| Census upload
app.allaboard365.com/tenant-admin/import Reading census acs-census-2026.xlsx
Any format. 48 households, read. | Complex and strict | AI reads any format | ||||||||||||||||||
| Employer contributions
app.allaboard365.com/tenant-admin/groups/northwind OverviewEmployeesContributions
They see their cost, not the premium. | Not supported | Quick to set up, employees see their own cost | ||||||||||||||||||
| Single-bill CHOICE administration
app.allaboard365.com/tenant-admin/invoices OpenPaidExternal
Many carriers. One bill. | Not supported | Yes | ||||||||||||||||||
| Invoicing and billing | Multi-step manual process | Automatic | ||||||||||||||||||
| Self-service group administrator portal
app.allaboard365.com/group-admin/dashboard
Their portal, not your inbox. | Special setup required | Yes | ||||||||||||||||||
| Sales & marketing | ||||||||||||||||||||
| CRM and AI prospecting
app.allaboard365.com/agent/prospects PipelineAllTasks
Pipeline and enrollment, one system. | No | Built in, or bring your own | ||||||||||||||||||
| Plan proposals and quotes
app.allaboard365.com/agent/proposals
Built, branded, sent. One screen. | No | Yes | ||||||||||||||||||
| AI plan quotes
app.allaboard365.com/agent/proposals
Their plan beside yours, priced and recommended. | No | Yes | ||||||||||||||||||
| Email and SMS marketing
app.allaboard365.com/tenant-admin/campaigns ActiveScheduledTemplates
Triggered off enrollment. Never stale. | Expensive setup, very limited | Out of the box, campaigns are quick to automate | ||||||||||||||||||
| AI-generated email templates | No | Yes | ||||||||||||||||||
| Prospecting workflows | No | Yes | ||||||||||||||||||
| AI phone lines | No | Yes | ||||||||||||||||||
| White-labeled platform
app.allaboard365.com/tenant-admin/settings GeneralBrandingDomains
Nobody ever sees our name. | Setup fee plus monthly fees | No extra cost, out of the box | ||||||||||||||||||
| Products & reporting | ||||||||||||||||||||
| Product platforming and plan management | No | Yes | ||||||||||||||||||
| Instant AI product platforming
app.allaboard365.com/tenant-admin/my-products/new Reading plan document HSA Plan 2026.pdf
You confirm. You do not retype. | Extremely tedious and manual | Automatic | ||||||||||||||||||
| Member eligibility setup and automation | No | Yes | ||||||||||||||||||
| Automated eligibility with your TPAs
app.allaboard365.com/tenant-admin/eligibility OutstandingSentImports Sent312 Never sent0 Held2
No file assembled. Two exceptions to check. | Manual files, built and sent by your staff | Files move between you and your TPAs on their own | ||||||||||||||||||
| P&L reporting
app.allaboard365.com/tenant-admin/reports P&LProductionRetention Off the ledger. It reconciles. | Custom development, expensive, inaccurate | Soon Build it yourself with AI, every format, fully automated, API available | ||||||||||||||||||
| Sales trend tools | No | Soon Coming soon | ||||||||||||||||||
| Setup & onboarding | ||||||||||||||||||||
| Time to launch
app.allaboard365.com/tenant-admin/setup
Five days. Not two quarters. | 3 to 6 months | 1 week | ||||||||||||||||||
| Learning curve | Very difficult and expensive | Easy, AI-guided | ||||||||||||||||||
| Custom development | Slow, buggy, expensive | Fast and cheap | ||||||||||||||||||
| Product platforming | Paid expert consultation plus custom coding | Instant AI setup | ||||||||||||||||||
| Platform support | Expensive, multi-week turnaround | Included, fast turnaround | ||||||||||||||||||
Screen previews are drawn to match the product and use sample data, not live records, because every real screen holds a real member. Compiled by AllAboard365 as of August 2026. "Legacy Systems and Companies" describes older enrollment and benefits administration platforms in common use, and reflects our own assessment rather than any vendor's published documentation. Any product names are trademarks of their respective owners. Capabilities on either side may change. Ask us for a current walkthrough of any row.
Test the first row yourself.
Bring a plan document and a census file. We build the product and read the census while you watch.