Comprehensive Guide to HRAs
Download the guide on Liferaft's Health Reimbursement Arrangements to see how businesses are saving on health insurance
In many states, small businesses can save thousands each year when using Health Reimbursement Arrangements to optimize the distributions of their benefits.
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What's included in your download
Liferaft's Guide to HRAs is the most comprehensive guide available, giving you everything you need to determine if an HRA makes sense for your business.
What is an HRA?
Requirements & features
Eligible HRA expenses
When an HRA makes sense
Different HRA types
HRA vs. HSA vs. FSA
A Health Reimbursement Arrangement (HRA) is an account an employer can set up to reimburse employees for out-of-pocket healthcare expenses.

The funds in the account are not subject to taxes and can be used to cover a wide range of healthcare costs, including premiums, co-pays, and dental and vision expenses.

Compared to traditional group health insurance plans, HRAs are more flexible, affordable, and easier to administer. Plus, you can easily tailor plans to fit the specific needs of your employees.

Why employers love Health Expense Accounts

Available for all employers
Group health insurance can be complex, restrictive and  unpredictable financially. With a health expense account, simply set a monthly benefit allowance and employees can use their benefits on any qualified medical expense they choose.
Many states offer more affordable insurance plans on the individual market than on the small group market. A health expense account allows employers to fund all or part of their employees' health insurance costs with pre-tax dollars, freeing up budget without sacrificing benefits.
With a health expense account, employees choose how to use their benefits, rather than being stuck in a one-size-fits-all group plan. This flexibility allows employees to tailor their coverage to fit their personal health, budget, and family situation.
What do Health Expense Accounts make possible?
  • More choice for your employees
  • Lower administrative burden to your HR department
  • Flexible structure allows for added benefits
  • Potential cost savings
Get the guide to your Health Expense Account
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