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The Health Reimbursement Arrangement (HRA)
Is An Effective Financial Strategy That Reduces
Benefits Costs & Keeps Employees Happy!

Health Insurance premiums rise every year, and that can limit the funds available for raises, other benefits, and even business growth. The HRA solution helps employers cut insurance premiums but still keep employee out of pocket medical expenses low. By getting a less expensive high deductible health insurance policy, & paying some portion of employees’ deductibles with a HRA, employers reduce their benefits costs &
Keep employees happy!


Replace a High Fixed Cost (an expensive health insurance policy) with…

A less expensive policy, plus a lower variable cost (actual employee medical expenses)

And get expert help to manage that variable cost effectively.

Replacing a high fixed cost with a lower variable cost is good business sense.
It’s a proven financial strategy you can now use to control your benefits costs!

Done right, HRAs are also an effective employee engagement strategy.
They can be designed to:

Reward employees who pay attention to their medical expenses.
Have employees share in the cost of their medical care.

Both approaches encourage employees to hold down costs and use their benefits wisely.

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