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Health Reimbursement Arrangement Administrators

A hands-off approach to employee benefits

Reimburse your employees tax-free with the industry’s only health reimbursement arrangement administrators platform with hands-on enrollment support.

  • Manage benefits for an hour or less per month
  • Offer health insurance on your budget
  • Keep your employees happy and healthy
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Health Reimbursement Arrangement Administration

Take Command makes healthcare reimbursement simple and easy.

Flexible Designs

No more one-size fits all plans! HRA 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.

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Want to dive into the details of HRAs? 

Our HRA Guide will walk you through how HRAs work, HRA benefits, and HRA setup. 

industry leading Health Reimbursement Arrangement Administrators

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."

Read Case Study

Taro Health

"To attract and maintain talent, we needed benefits. Managing our ICHRA has been simple and hands-off. I spend two hours a month managing and administering it."

Read Case Study


"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."

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Health Reimbursement Arrangement Administrators: What You Need to Know

If you're an employer looking for ways to provide your employees with healthcare benefits while keeping costs under control, you might want to consider a Health Reimbursement Arrangement (HRA). HRAs allow you to offer company-provided healthcare benefits while controlling company costs. They provide many advantages to employers that address the current realities of the modern workplace.

That said, managing an HRA can be a complex and time-consuming process. So that's where HRA administrators come in! 

What's an HRA administrator?

An HRA administrator is a third-party service provider that helps employers manage their HRA plan. HRA administrators manage and administer the HRA and can provide employers with expert guidance and support to ensure compliance with IRS regulations.

HRA administrators offer various services and solutions tailored to meet employers' needs, including plan design, administration, compliance support, and customer service. In addition, they have the tools and resources to manage the plan's day-to-day operations, including processing reimbursements and providing customer support using technology like user-friendly platforms to help employers track their expenses and manage their budgets effectively.

This can free up valuable time for employers to focus on other business areas.

HRA administration fees

HRA administration fees are fees charged by HRA administrators to manage and administer an HRA plan on behalf of an employer. These fees typically cover plan design, administration, compliance support, and customer service.

HRA administration fees may also include platform fees, which cover the cost of maintaining and operating the technology platform used to manage the HRA plan. Some HRA administrators offer user-friendly platforms that allow employers to manage their HRA plan efficiently and effectively.

The amount of HRA administration fees charged by HRA administrators can vary depending on the services offered and the employer's size. However, these fees cover the services that provide significant value to employers. 

For example, working with an experienced HRA administrator can ensure compliance with IRS regulations, provide expert guidance and support, and access to advanced technology and resources. This can help employers save time and money while providing valuable healthcare benefits to their employees.

Top HRA administrators

Choosing the right HRA administrator can make all the difference in managing an HRA plan effectively. With so many HRA companies out there, it can be overwhelming to choose the right one. Here's what you need to know about selecting the top HRA administrator. 

One of the primary benefits is expert guidance and support. Top HRA administrators have extensive knowledge of IRS rules and regulations, which can be complex and challenging to navigate. By working with an HRA administrator, employers can benefit from their expertise and experience, ensuring that their plan complies with regulations and that reimbursements are processed efficiently.

In addition, working with a top HRA administrator can help employers save time and money. HRA administrators have the tools and resources to manage the plan's day-to-day operations, including processing reimbursements and providing customer support. This can free up valuable time for employers to focus on other areas of their business. 

Additionally, top HRA administrators can help employers design a plan that meets their specific needs, helping them save money on healthcare costs while still providing valuable benefits to their employees.

Another benefit of working with a top HRA administrator is access to advanced technology and resources. For example, many top HRA administrators, like Take Command, offer user-friendly platforms that allow employers to manage their HRA plan efficiently and effectively. They also provide various reimbursement options and reporting tools to help employers track their expenses and manage their budgets effectively.

How much will you save with an HRA?

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. Use our heat map to see if your location is prime for saving.

HRA administrators small businesses

Small businesses looking to offer an HRA plan to their employees can benefit significantly from working with an experienced HRA administrator. Take Command is an excellent choice for small businesses looking for a reliable HRA administrator with expert guidance, cost savings, and advanced technology and resources.

Take Command specializes in Individual Coverage HRAs (ICHRA), allowing employers to offer employees personalized healthcare benefits based on their unique needs. Our user-friendly platform and exceptional customer service make us a great partner for small businesses looking for a reliable HRA administrator.

HRA administrators for small businesses should have extensive knowledge of IRS rules and regulations to ensure that the plan complies with regulations and that their employees receive the necessary benefits.

Small businesses also want to save time and money, so their HRA administrator should have the tools and resources to manage the plan's day-to-day operations, including processing reimbursements and providing customer support. This can free up valuable time for employers to focus on other business areas. 

QSEHRA administration

Qualified Small Employer Health Reimbursement Arrangements (QSEHRA) is a popular health care reimbursement plan for small businesses. QSEHRAs allow employers to reimburse their employees for qualified medical expenses with tax-free dollars, making it an attractive option for employers and employees. 

When it comes to QSEHRA administration, it's important to choose the best QSEHRA administrators. These companies can help businesses set up and manage their QSEHRAs, ensuring compliance with IRS QSEHRA regulations. QSEHRA 2023 regulations will be updated, and businesses must stay updated with the latest rules and requirements.

QSEHRA employee requirements include enrollment in a health insurance plan that meets minimum essential coverage requirements. QSEHRA employer requirements include offering the QSEHRA to all eligible employees and adhering to contribution limits set by the IRS.

QSEHRA providers can offer both self-administered QSEHRAs and fully-administered QSEHRAs. Self-administered QSEHRAs require the employer to manage the plan, while a third-party administrator manages fully-administered QSEHRAs.

So what is the source of funding for QSEHRA? QSEHRAs are funded by the employer, and the employer can choose to contribute any amount up to the annual contribution limit set by the IRS.

Health reimbursement arrangement rules

Several HRA rules for employers and employees must be followed to establish and manage an HRA. 

One of the most common questions about HRAs is, "Can I withdraw money from my HRA account?

The answer is no - HRA funds can only reimburse qualified medical expenses, including health insurance premiums.

HRAs are compared to Health Savings Accounts (HSAs), but some key differences exist. HRAs are funded entirely by the employer, while HSAs can are funded by both the employer and the employee. HRAs are not tied to a high-deductible health plan like HSAs are.

The IRS has established rules for health insurance reimbursement through HRAs. These rules require that the HRA integrate with a group health plan and that the HRA does not discriminate in favor of highly compensated employees. Employers must also ensure that the HRA does not exceed the annual contribution limits set by the IRS.

What happens to unused HRA funds?

Unclaimed reimbursement allowances roll over to the next month and accumulate to build up a balance of unclaimed reimbursements until the end of the calendar year. For example, suppose you have one month with larger expenses. In that case, you can get a reimbursement above your monthly allowance if you have a balance of unclaimed funds. However, at the end of a calendar year, employees will lose any unclaimed allowance, so they need to submit receipts for reimbursement within the calendar year. 

HRA administration software

HRA administration software simplifies the process of setting up and managing an HRA. In addition, these software solutions can automate many tasks associated with HRA administration, such as employee enrollment, claims processing, and reporting.

HRA administration software can be a valuable tool for businesses looking to simplify setting up and managing an HRA. Employers can save time and reduce errors by automating many of the tasks associated with HRA administration. When choosing an HRA administration software provider, it's important to consider the features and functionality offered by different providers, the customization options, and customer service. 

What To Look For in Health Reimbursement Arrangement Administrators

Setting up a health reimbursement account is highly technical and potentially confusing, and there are many questions you need to ask. For example:

  • Do you understand the basics of a health insurance reimbursement plan, including what the benefits are, how they work, and how to administer such a program?
  • Do you know the difference between an ICHRA (Individual Coverage Health Reimbursement Arrangement) and QSEHRA (Qualified Small Employer Health Reimbursement Arrangement)?
  • Are you familiar with how much it will cost to administer an HRA? From a business perspective, are the costs worth the benefits?

Here's the truth: When done right, an HRA can provide a massive employee benefit to you and your company. It can help you attract talent, take advantage of the existing tax system, and ensure your business actively creates value for your employees. In a period where employee retention is harder than ever, creating programs that show your employees how much you value them can be key to recruiting and retaining top talent.

While an HRA is easy to create, your business must realize that all HRAs are not equal. Indeed, the many differences between different HRA administrators can make or break your HRA administration. Therefore, when looking for a world-class HRA administrator, you have to ask a few questions:

  • What assistance can the administrator provide my business with in setting up an HRA?
  • How customized can I make the HRA, and how easy will it be to operate?
  • What are the fees associated with the account?
  • What qualifies for reimbursement? What doesn't?
  • How is compliance managed?
  • Are there cloud-based, self-service options? 

In other words: You need the best. At Take Command, we can walk you through every step of the process and ensure that you can design a plan that perfectly fits the needs of your employees. 

What are HRA Administration Companies?

You may ask yourself a critical question: What do HRA administration companies do? 

An HRA administrator will engage in numerous services for your company, including:

  • Help your business create a plan design that fits your needs at the most affordable price.

  • Advertise the benefits of the HRA to your employees, helping them enroll and then walking them through the process of getting a reimbursement.

  • Create and manage a computer platform that ensures employees can easily get the necessary reimbursements.

  • Manage any reports and compliance, providing both you and your employees with the paperwork needed to ensure tax accuracy. 

You should also know that there are extensive differences between a health reimbursement account vs HSA (health savings account). These differences include the following:

  • HRAs are funded by employers, while employees fund HSAs.
  • HRAs can have a plan design managed by employers, while HSAs have reimbursements managed by tax guidelines.
  • HRAs are locked with employers, while HSAs are portable and can follow an employee from job to job.

As such, HRAs offer a major benefit to employees, and they can help your business create and maintain major employee value. 


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. 

Get started today!

Begin designing your QSEHRA plan today and be set up in minutes. You could start reimbursing your employees tax-free sooner than you think.


HRA Administration pricing that’s simple.

No hidden fees. No contracts. No matter what.

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Starting at
Per Employee
  • Personalized onboarding & support
  • Hands-on shopping guidance for employees
  • Customizable HRA design

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