Lower Cost. Strong Benefits. Smarter HRA Design.
A well-designed HRA can reduce employer healthcare cost by 15–25% while preserving a strong employee benefit and a much better member experience than most HRA arrangements deliver.
A More Efficient Way to Fund Benefits
A Health Reimbursement Arrangement (HRA) is a smarter way to deliver strong benefits at a lower cost without shifting financial burden to employees.
Instead of purchasing a richer carrier plan with permanently higher premiums, the employer purchases a high deductible health plan, sees a huge drop in premium and then funds an HRA to pay for employees deductible claims. The result is often better benefit at a meaningfully lower total cost.
How It Works
Lower-Cost Plan Foundation
The employer selects a high deductible health plan, reducing premium spend.
Employer-Funded
HRA
The employer funds an HRA to cover a defined portion of the deductible bringing the employee’s out-of-pocket exposure down to a targeted level.
Better
Economics
The combined cost of the plan and HRA is typically 15–25% lower than a traditional carrier plan delivering a similar benefit.
Designed Around the Member Experience
Plan designs that protect employees from using their own funds and having to seek reimbursement from the HRA
Clear visibility into available HRA funds at the point of care
Thoughtful integration with claims so funds are applied appropriately
Support structures that guide employees when questions arise
