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HRA Administrator

We'll focus on your benefits, you focus on your business

Reimburse your employees tax-free with the industry’s only health reimbursement arrangement (HRA) administration 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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HRA Administration benefits

Take Command makes healthcare reimbursement simple and easy.

Flexible Designs

No more one-size fits all plans! ICHRA 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.

Learn More

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 hra administrator

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."

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"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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HRA Administrator 101

If you are relatively new to what an HRA is – a health reimbursement arrangement – and how they work, consider this your ‘HRA for dummies’ crash course. In this article, we’ll discuss the role of an HRA administrator, what some HRA rules for employers are, as well as the primary differences between an HRA vs. HSA. 

Traditionally speaking, an HRA administrator is an individual or entity which oversees the daily activities involved in managing a health reimbursement arrangement. This can include basic things like ensuring secure and proper documentation storage, providing compliance services, and managing reimbursements from IRS Publication 502.

As more and more companies are looking to optimize their services, modern HRA administrators are generally software applications or some kind of web-based or cloud-based tool. And a decent HRA administration software or tool ought to provide sufficient guidance to help employers and employees navigate their HRA benefits from the beginning of the process to the very end.

An organization looking to invest in good HRA administration tools or software must keep a few things in mind: is it compatible with your business’s existing plan, and will it streamline your operation moving forward? HRA administration software is capable of many things like set-up, creating and distributing plan documents for employees, persistent and accurate tracking of available HRA funds, privacy compliance, producing tax documents and annual reports, as well as providing electronic storage of employee invoices and receipts related to HRA funds. 

From an employer’s perspective, HRA administrators can provide an invaluable service to you and your employees. And when it comes to your employees’ healthcare, it’s vital to treat them with dignity and respect while also making an effort for them to be able to access the healthcare they need quickly and easily. It can be overwhelming for moderate- and small-sized businesses to oversee an HRA plan without the use of an HRA administrator, but there are so many steps in the process, and many of those steps require secure, careful handling of private information. 

A good HRA administrator tool or software can help business owners ensure that all the proper documentation is recorded and stored securely. Due to HIPAA (Health Insurance Portability and Accountability Act of 1996) regulations, any employee medical records or records of medical expenses qualify as PHI (or protected heal information), so the use of HRA administration software will insulate employers and keep employee reimbursement claims and medical information private and secure. 

HRA Rules for Employees

It’s also important to understand the basic HRA rules for employees when utilizing an HRA platform. While employees don’t need to worry about paying HRA administration fees (since the employer covers those), there are a few things for employees to consider if their employer intends to utilize an HRA to help employees with out-of-pocket medical expenses. 

For instance, if you are wondering, “Can I withdraw money from my HRA account?” The answer, unfortunately, is no. However, unused HRA funds can roll over to the following calendar year at the employer’s discretion. Employees might also wonder whether or not they need to have health insurance in order to make use of an HRA. The answer there is a bit more complex; in short, it depends. Sometimes, an employer may offer an HRA plan to supplement a high-deductible health plan, or an employer may offer an individual coverage HRA (which we’ll cover in more detail later on). 

Other important items to note for employees include the fact that the HRA is owned entirely by the employer. Only the employer can add funds to an HRA account, and depending upon the stipulations of the plan, some of those funds (if left unused) can roll over to the next year. Funds in an HRA do not typically accrue interest, and how much money gets contributed to an HRA is at the discretion of the employer. 

Another common question employees have is whether or not they are eligible to utilize HRA funds to help pay for a family member’s medical expenses. The answer, in a word, is yes. HRA monies can be used to cover eligible medical expenditures of any family member who could be considered a “dependent” on the employee’s most recent tax filing documents. Depending on the stipulations of the HRA, however, the dependent may be required to have health insurance.

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.

Best HRA Administrators

A qualified small employer HRA (QSEHRA) is a special type of HRA more suited for smaller businesses with fewer employees. QSEHRA administration software can help small business owners manage everything that a larger organization could manage with HRA administration software – except that QSEHRA plans are eligible only for organizations that employ 50 or fewer full-time employees. 

The best HRA administrators can help businesses manage their HRA access and ensure that their employees can make the most of their HRA accounts when necessary. A good HRA administrator software will regularly update to make improvements, provide necessary debugging and maintenance, and also to maintain compliance, as regulations may change frequently and without warning. HRA administration software should also help create both a written legal plan as well as a summary plan description and ensure that its privacy features are both formidable and frequently updated. 

From the employee’s perspective, helpful HRA administration software must be efficient and simple to use. Employees should be able to easily make reimbursement requests, request expedited reimbursement reviews if necessary, and allow employees to keep track of their reimbursement requests over time. A good HRA administration software will be accessible from any commercial device with a stable Internet connection or other wireless connectivity. 

For employers both small and large and everyone in between, you want an HRA administration software that makes things as easy and uncomplicated as possible. Some good features to look for in a robust HRA administration tool or software are the ability to access accounting information in real-time, simplified onboarding processes for new hires and simple management solutions for employee enrollment in the HRA, and continual online compatibility coupled with automated updates and annual renewals. The less time and resources you have to devote to managing your organization’s HRA program, the more time you can dedicate to running the business, achieving target objectives, growing revenue streams, and more. 

HRA Administration Software

If your organization wants to learn how to set up an HRA or if you think an HRA insurance plan might be beneficial for your enterprise, you might also consider investing in HRA administration software. When a company chooses the right HRA administration tool or software, it empowers employees to access the healthcare they need in order to keep working happily and healthily, and it enables employers to spend less time and resources managing administrative tasks so that your company’s leadership can focus on achieving your business goals. 

HRA administration software also helps to keep companies compliant and operating smoothly. And when employees are able to access the care they need and are easily able to file reimbursement claims, it helps to create a welcoming business culture that can attract new employees and help retain team members who have devoted years of their lives to the organization. 

Implementing an HRA administration software successfully for your organization can provide your company with a significant tax advantage and help your labor force stay healthy by providing employees with access to funds to help cover qualifying medical expenses. HRA funds are flexible enough that businesses can implement them in a way that makes sense for their employees and any current employer-provided health care insurance plans. While they may seem difficult and complex at a glance, HRAs can actually be very helpful for businesses and employees alike. 

Types of HRA

Although we’ve covered many of the basics about HRAs and their capabilities, it’s important to understand the different types of HRA and when each is appropriate. In addition to QSEHRAs, which we mentioned above, there are also ICHRAs – otherwise known as individual coverage health reimbursement arrangements. Contrary to QSEHRAs, ICHRAs are available options for businesses of any size, not just small businesses. 

In addition to QSEHRAs and ICHRAs, there’s one more relevant acronym that describes yet another type of HRA fund – the group coverage HRA, or GCHRA. This type of agreement is generally best for smaller or medium-sized employers that have an existing group health insurance plan in place and would like to provide an additional benefit to employees to help cover out-of-pocket medical expenses. 

Some companies may wish to provide additional assistance to employees by also offering access to an FSA (Flexible Spending Account). While different from HRAs, FSAs are typically funded by employees and can be another means to ensure that employees have access to necessary healthcare procedures in a variety of differing circumstances. 

Accessing the HRA for employees can be as easy as loading up the connected HRA app on a phone or mobile device either by logging in with a specified HRA number or another unique ID. Employees can then view their account history, check the status of past or current reimbursement claims, and update any relevant account information. 


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.

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