From traditional employer-sponsored policies to modern tax-free reimbursement models, we find the exact fit for your business structure.
Classic employer-sponsored coverage where you select the master plan and share premium costs with your employees.
Individual Coverage HRA allows you to reimburse employees tax-free for the individual health insurance plans they choose themselves.
Qualified Small Employer HRA designed specifically for small businesses under 50 employees that want to offer benefits without a group plan.
These tax-advantaged accounts help your employees pay for healthcare, but they function very differently.
| Feature | HRA | HSA | FSA |
|---|---|---|---|
| Who funds it? | Employer only | Both | Both |
| Requires HDHP? | No | Yes | No |
| Funds roll over? | Employer decides | Always | $640 max |
| Portable (employee keeps)? | Usually no | Yes | No |
| Tax-free contributions? | Yes | Yes | Yes |
| Best for employers who want… | Control & flexibility | Employee ownership | Simplicity |
Not sure which is right for your business? Talk to a benefits advisor — it's free.
Health insurance isn't just a perk — it's a strategic investment in your team's well-being and your company's long-term success.
Over 56% of workers say health benefits are a key factor when evaluating a job offer. Stand out in a competitive hiring market.
Employees with robust health benefits are 3x more likely to stay long-term. Reduce expensive turnover costs.
Employer premium contributions are 100% tax-deductible. Small businesses may qualify for the SHOP tax credit — up to 50% of premiums.