Health Reimbursement Arrangements (HRAs)
Health Reimbursement Arrangements (HRAs) offer employers a flexible, tax-advantaged way to support employees’ healthcare costs. At Zylinsky Insurance, we help businesses design and manage HRA plans that align with their benefits strategy and budget — while giving employees more control over their health expenses.
An HRA is an employer-funded account that reimburses employees for qualified medical expenses such as deductibles, copays, prescriptions, or even individual insurance premiums, depending on the plan design. Unlike a traditional group plan, HRAs can be highly customized — employers determine contribution limits, eligible expenses, and participation requirements.
HRAs are especially appealing for small to mid-sized businesses looking for cost-effective alternatives to traditional insurance. They also pair well with high-deductible health plans, giving employees added peace of mind without significantly increasing employer costs.
There are several types of HRAs, including Qualified Small Employer HRAs (QSEHRAs) and Individual Coverage HRAs (ICHRAs). Our team works with you to select the right structure, ensure compliance with IRS rules, and make the setup and administration simple and seamless.
Empower your employees with meaningful healthcare support and gain more flexibility over your benefit spending. Contact Zylinsky Insurance to explore how HRAs can be part of your workplace benefits solution.
