ACA plans by state and where HRAs are a more affordable health insurance option

Best states for HRA cost and experience

Control your health benefits budget to the penny.

Offer flexible, personalized health benefits.

Leverage state resources to support employees.

HRAs have many advantages over traditional group health coverage

What is an HRA?

A Health Reimbursement Arrangement (HRA) is a tax-advantaged health benefits solution where employers give a monthly allowance to employees for qualified medical expenses and insurance premiums. The employer sets the budget, and the employees buy healthcare plans from the ACA or state marketplace.

Considering health insurance plans for a particular state? HRAs could be an affordable option

There are a lot of reasons to love HRAs. Here are some of our favorites:

→ Budget control
→ Accurate forecasting
→ Consistent coverage across state lines
→ Personalized plan choices for employees
→ No employer responsibility for health risks
→ Flexible employee classes
→ Only with Take Command: In-house support team

Take Command has been in the HRA business from day one. We use our expertise to make sure your plan works as hard as possible for you and your employees.

Why choose Take Command

Health insurance plans by state

When an employer offers an HRA, they designate a monthly allowance for employees to buy their own health insurance plan from the ACA or state-run marketplace.


HRAs are available anywhere in the country, but some states rank better than others for cost and employee experience.


Find your state(s) and learn about regional considerations, legislative efforts, and cost comparisons down to the county.

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California

California HRAs
Minnesota state flag.

Minnesota

Minnesota HRAs
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Ohio

Ohio HRAs

Keep reading

Health insurance exchanges by state

Because each state runs their own marketplace, insurance prices vary by region (and even county.) Find out why local markets make a big difference to employees and influence the HRA allowance the employer gives.

Health insurance exchanges by state

ICHRA employee classes

ICHRA employee classes let employers strategically allocate their health benefits budget by employee categories including hours, geographic location, or employment type. Learn how to leverage geographic classes.

ICHRA employee classes

Should you break up with your group health benefits?

If you’re unhappy with your group plan or just curious about other options, here are some considerations for moving on and why an HRA might be better for your business. 

Switching from your group plan

Affordable health insurance for healthcare, manufacturing, and retail

Health organizations can save costs with HRAs

Healthcare

Staff burnout and rising operational costs make it hard to run a healthcare practice. Take Command takes care of your budget and your clinicians.
HRAs for healthcare
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Manufacturing

High healthcare claims are often associated with the physical demand of manufacturing jobs. ICHRA offers meaningful benefits at a reasonable cost.
HRAs for Manufacturing
nonprofit

Nonprofit

Your people drive your mission. Invest in their health and well being and recruit new talent with Take Command's simple, cost-effective nonprofit HRA.

HRAs for nonprofit

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Contact Take Command to learn about your state's HRAs

We’re here to help and can answer questions about health insurance quotes for your county.

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