Flexible Designs
No more one-size fits all plans! Health reimbursement arrangement plans can be customized and designed to achieve you or your clients’ goals.
Reimburse your employees tax-free with a health reimbursement arrangement from the industry’s only HRA administration platform with hands-on enrollment support.
Take Command makes HRA administration simple and easy.
Flexible Designs
No more one-size fits all plans! Health reimbursement arrangement plans can be customized and designed to achieve you or your clients’ goals.
Simple Administration
Take Command will automatically generate the documents your employees need and can help them search for and enroll in a plan online.
No Contribution Limits
There are no annual contribution caps. This allows employers to define unrestricted benefit budgets.
Want to dive into the details of health reimbursement arrangements?
Our Health Reimbursement Arrangement Guide will walk you through how HRAs work, HRA benefits, and HRA setup.
Join the 5,000+ businesses saving on health benefits with Take Command
Union Orthotics and Prosthetics
"Facing a 40% renewal, our broker introduced us to the idea. Take Command provides the tools there for everybody to enroll in very easy formats on the platform."
Taro Health
"To attract and maintain talent, we needed benefits. Managing our HRA has been simple and hands-off. I spend two hours a month managing and administering it."
StreamCare
"Take Command has made it simple to set up and administer the small business HRA for StreamCare and we highly recommend it to other small businesses."
Support your employees with tax-friendly HRAs
Give your employees a customized benefits plan to support their health (and happiness). You can reimburse your employees tax-free with your HRA and enjoy full-service administrative support.
HRAs are a popular alternative to traditional group health insurance. Your HRA gives you the freedom and flexibility you want to escape from the confines of group plans. With an HRA, you can expect:
Instead, you get the benefits of reimbursing your employees for health insurance, such as:
Take Command makes HRA administration simple and easy.
Customize a plan that fits the needs of you and your employees. Full-time, part-time, remote, hybrid — your HRA has you covered.
Take Command helps you with the design and management of your HRA. This includes process, compliance, reporting, employee communication and employer support.
Employers can define unrestricted benefit budgets with no annual contribution caps. HRAs reimbursements aren’t subject to payroll or income taxes.
Want to dive into the details of HRAs?
Check out our HRA guide to learn more about how HRAs work, HRA benefits, and HRA administration.
A health reimbursement arrangement is a tax-advantaged benefits solution that allows employers to reimburse their employees for qualified health expenses, including individual insurance premiums. An HRA is eliminates the one size fits all group plan and gives employees the power to chose a health insurance plan that works best for them. Traditional health insurance plans that focus on a group model can be rigid, complicated and very expensive. With an HRA, you and your employees can find freedom in choice, and still get the benefits coverage you want.
An HRA is an employer-funded group health plan in which employees are reimbursed (with tax-free dollars) for qualified medical expenses. There are two main types of HRAs: Individual Coverage HRAs (ICHRA) and Qualified Small Employer Health Reimbursement Arrangement (QSEHRA). QSEHRA is designed for small employers looking for employee health benefits, and ICHRA works for employers of all sizes. Some rules differ between the two HRA plans, and the makeup of your employees can determine the plan that suits your needs best. Check out our comparison article to learn more about the specifics of each and how they stack up.
HRA health insurance is actually very straightforward. Employees select their preferred health insurance plan, pay for health care expenses upfront then the employer reimburses them. Employees and employer alike value the simplicity of this arrangement. Employees gain control of where they spend their money and chose the providers that they want. And employers can still offer health care benefits without being tied to a group plan and in a way that works for the business budget.
This is a general set of steps that outlines the basic process of an HRA plan. For a more detailed explanation, check out our HRA benefits guide. The specifics of your plan set up will depend on which HRA you choose – QSEHRA or ICHRA. But one thing remains the same, the experts at Take Command are ready to help you at every step.
Will a health reimbursement arrangement help you save on benefits?
In about half the country, individual insurance rates are cheaper than their group plan equivalents, meaning health benefits dollars will stretch further with an HRA like QSEHRA or ICHRA. Use our heat map to see if your location is prime for saving.
There are always upsides and downsides to consider when deciding which healthcare plan to choose. It really depends on the specifics of your situation and the plan you choose. Let’s review some of the general pros and cons of HRA plans.
For a more comprehensive, detailed list of pros and cons, check out our HRA account pros and cons blog.
Ready to Get Started?
Begin designing your ICHRA plan today and be set up in minutes. You could start reimbursing your employees tax-free sooner than you think.
Ready to get started?
Begin designing your HRA plan today and be set up in minutes. You could start reimbursing your employees tax-free sooner than you think.
Begin designing your HRA plan today and get set up in minutes. You could start reimbursing your employees, tax-free, sooner than you think.
Before setting up your HRA, make sure you understand these important rules. HRA rules for employers and employees include some standard HRA rules associated with every HRA account. For example, the business owns the HRA, not the employee. Only the company can put money into the HRA, HRA funds do not earn interest, and the business determines the amount contributed to the HRA.
Employees can use HRA money to pay for personal and family medical expenses. The rules for reimbursement from an HRA are found in IRS Publication 502, and any unused money stays with the business. Rollover of funds for employees with an HRA is not guaranteed. Rollover depends on the type of HRA plan and the business's decision about allowing it or not.
Some rules differ between HRA plans. For example, QSEHRA is well-suited for small employers, whereas ICHRA is suitable for employers of all sizes. Therefore, QSEHRA has some differences from ICHRA.
→ Deep dive into HRA Account Rules
What’s the best way to run your HRA without adding extra stress to your plate? Work with a skilled HRA administrator, like Take Command. A good HRA administrator will do all the heavy lifting for you and help you navigate the process from start to finish.
We are often asked whether an employer can administer their own HRA. Technically, yes, but it’s not advised. It’s time consuming for business owners to keep up with all of the paperwork necessary and maintain health information in a secure way. There’s also the HIPAA Privacy Rule, which is another layer of protection for employees' private health information. Working with an HRA administrator keeps employees’ health information private and keeps you in compliance.
There are many more benefits to working with an HRA administrator. Our HRA administration platform will help you with:
A customized admin portal to review and approve HRA documents, view monthly reimbursement reports, add/remove employees, manage subscriptions, update payment information, and see overview information about HRAs.
We’ll also help employees get the most out of their HRA by:
No hidden fees. No contracts. No matter what.
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