New System Enhancements!

OCA is excited to announce the launch of a redesigned, next-generation benefit account experience for employer and plan participants.

We’re in business to help people!


Learn more about our member benefits with OCA. You can access forms, helpful video’s, FAQs, and more!


Learn more about the employer services with OCA. You can access forms, helpful video’s, FAQs, and more!


Learn more about our broker benefits with OCA. You can access forms, helpful video’s, FAQs, and more!

Benefit Administration Done Right…

OCA is a growing family owned business with roots dating back to our formation in 1983. Since then, OCA has become a national Third-Party Administrator for Health Reimbursement Arrangements, Flexible Spending Accounts, Dependent Care Accounts, Commuter Benefits, Health Savings Accounts, COBRA, Retiree Billing, Premium Only Plans, and ERISA Compliance services. OCA partners with insurance carriers, general agents, brokers, employers, employees and their families; to deliver quality, cost-effective and sustainable employee benefit programs. We have coupled this with industry leading technology and a core philosophy that we will hire, train, and develop employees that know they have one fundamental job to do; to help people.

Latest Articles

NJ Commuter Law

NJ Passes Commuter Benefit Law This new ordinance would require employers with more than 20 employees to offer commuter benefits. On March 1, 2019, New Jersey Governor Phil Murphy signed into law a new commuter benefit ordinance. This new ordinance would...

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New HRA Regulations

HRA Regulations New Regulations Make Drastic Changes to HRA Rules! On October 23, 2018 the tri agencies (DOL, Treasury, and HHS) published much anticipated proposed regulations regarding HRAs.  The proposed regulations would make drastic changes to the rules currently...

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PCORI Fee The Affordable Care Act imposes an annual fee called the Comparative Effectiveness Research Fee. What is the Patient-Centered Outcomes Research Trust Fund fee? PCORI, or Patient-Centered Outcomes Research Institute, was created by the Patient...

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What People Are Saying

Dali has been an exemplary rep for your company.  I have had many problems over the past year and she has shown extreme patience and professionalism in her handling of the problems.  I am over the top pleased to be working with her by my side.  She should be the poster child for advertisements for your marketing of OCA.



Chuck was extremely calm and patient with me as I am not as computer literate as I should be.  He was helpful and knowledgeable and able to help me understand what I did wrong and then walked me thru how to fix it.  He was very pleasant to work with and fixed the problem quickly.



Dana was great.  Very patient, but handled things efficiently and with a good sense of humor.  I’m forced to talk to call centers a good bit and, as i told her, she is a breath of fresh air, and represents you very well.



Our Partners

Ready to Make a Change?

Are you an employer (or have a client) who is currently offering an existing FSA and/or HRA and looking to move to OCA?