hCentive, Inc., based out of Reston, Virginia, is a software development specializing in cloud-based products for health insurers and state health agencies. It was the first company to build a health insurance exchange solution from the ground-up post the Affordable Care Act (ACA). hCentive is involved in the development of state and private health insurance marketplaces (exchanges) for state organizations, health insurance providers, companies and third party administrators. It works with three of the top five health insurance organizations in the US. About 125 employees of hCentive work at the corporate headquarters. The rest of the company’s employees are based at the Indian R&D center.