Toggle navigation

HRA Administrators

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
Press Logos - NYT
Press Logos - Forbes
Press Logos - Fortune
Press Logos - WSJ
Press Logos -Dallas Morning News
Press Logos - BenefitsPro
Press Logos - ModernHealth
Press Logos - SHRM
Press Logos - American Benefits Specialist
Press Logos - HR Executive
Press Logos - Bloomberg

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 plan 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."

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."

Read Testimonial

What you need to know about HRA administrators

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. 

What is an HRA?

An HRA, or a health reimbursement arrangement, is an affordable alternative to traditional employer insurance coverage. It works exactly how it sounds. Rather than confining your employees to one particular health insurance plan through your company, HRAs reimburse employees for health insurance premiums and qualified medical expenses on a pre-tax basis. 

This empowers employees by allowing them to choose exactly what health insurance plan works best for them and their families. 

HRAs are an effective employee retention strategy because of the independence employees have with their own health coverage. They no longer feel trapped in a certain employer benefit offering and rather can take things into their own hands. 

Not only does offering an HRA make your life easier, but it provides your employees with portability, flexibility, and autonomy with their health insurance plans. 

Sounding good so far? The next step to implementing an HRA is deciding which HRA type is the best for your company. 

HRA types

There are two main HRAs, and the right one for you depends on the business you’re serving. These two HRAs are 

  1. Qualified Small Employer HRA (QSEHRA)
  2. Individual coverage HRA (ICHRA)

Qualified Small Employer HRA (QSEHRA): A QSEHRA reimburses employees for qualified medical expenses. This HRA is designed specifically for small businesses with 50 employees or less. The plan pays for benefits tax-free, with an annual contribution limit. 

Some other details on QSEHRAs: 

  • QSEHRAs let small businesses offer a competitive benefits package while also being an affordable option. 
  • QSEHRAs are optimized to provide the best value for your small business budget. 
  • You can’t combine QSEHRA with a group plan.
  • QSEHRA reimbursements must be the same size for everyone.

Specific HRA administrators – QSEHRA administrators – are available to assist you in offering an HRA plan to your small business employees.

Individual coverage HRA (ICHRA): An ICHRA reimburses employees tax-free for the cost of health insurance premiums and expenses, but they’re designed for any company size and any amount. There are no annual contribution limits, and tons of flexibility allows for different employee reimbursement. 

Some other details on ICHRAs: 

  • ICHRAs are the most adjustable option for businesses. 
  • You can combine ICHRA with a group plan.
  • ICHRAs have no reimbursement limits. 

Specific HRA Administrators – ICHRA administrators – are available to help your business offer HRA plans to all of your employees, no matter the scale of your company. 

So, choosing between these two HRA types will depend on your business size and specific needs. Whether you’re a small business or a large corporation, HRAs – and HRA administrators – can be a perfect employee health insurance solution.

For more in-depth information about these HRA types, check out the detailed guides on our site for QSEHRAs and ICHRAs. 

What do HRA administrators do?

An HRA Administrator is an online platform or software that helps businesses organize all the details of HRA administration. Essentially, they do all the hard work to help you and your business navigate the HRA administration process easily. 

HRA administrators like ours will help you with: 

  • Legal and tax documents
  • Year-End reporting
  • HIPAA and reporting compliance 

Apart from the legal and privacy guidance an HRA administrator offers, our HRA administrators at Take Command go a step further. We value the employee and go above and beyond to ensure satisfaction with HRAs. We’ll onboard your employees and provide them with educational material about their new HRA so they can maximize their new benefits.

We also support your employees from start to finish while they search for the individual health insurance plan that’s right for them. We’re here to answer questions and offer an easy-to-use platform for employees to request reimbursements.

How much will you save with an HRA?

Since QSEHRA reimbursements are tax-free, small business owners can enjoy considerable savings. Check out our QSEHRA tax savings calculator to get a savings estimate.

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.

Why do you need an HRA administrator? 

HRA Administrators save you time and effort by outsourcing administrative functions. Trying to administer your own HRA is highly complex, so let the pros take it off your hands. An HRA administrator allows you to prevent mistakes you may make when attempting to do this on your own.  

Privacy — especially regarding health — is essential for a trustworthy relationship with your employees. HRA administrators keep you compliant with privacy and HIPPA policies. And HRA administrators deal with your employees' private health information, so you don’t have to get in the middle of it. 

By using an HRA administrator, you’ll have less paperwork and know everything is getting done with expertise, so you don’t have to worry. 

Our HRA administrator comes with a customized admin portal to review HRA documents, reimbursement reports, payment information, and other pertinent HRA information, making it seamless for employers. 

Having an HRA administrator will save you the hassle of managing your employee’s health coverage. 

If you need more convincing, read here for information on why you shouldn’t administer an HRA yourself. 

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. 


How to choose the right HRA administrator for your company

You may wonder how to pick a good HRA administrator for your business. When comparing the best HRA administrators, it’s important to look at:

  • The price per employee
  • The ease of use
  • Employer satisfaction and employee satisfaction

You’ll want to use an administrator that understands all the regulations and processes related to HRAs. And one that can work with your company's specific needs. A good HRA administrator helps you navigate issues that may arise, saving you the headache of managing it independently. 

Using a third-party HRA administrator like ours – Take Command – saves you time and effort. 

  • We can help you avoid penalties if you have trouble navigating all the compliance requirements and regulations.
  • We have a quick and easy sign-up process. 
  • We handle the legal side of HRA administration for you.
  • We take care of your tax documents to help make tax season a breeze. 
  • We support your employees throughout their health insurance selection. 

Our HRA administrator has been used and loved by many. Connect with our team of experts so they can help you choose the right HRA administrator for your company. 

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. 


Getting started with your HRA administrator

Ready to start with an HRA administrator? Contact us today! We can’t wait to assist your company with providing HRAs. 

The first step you need to take is to decide: 

  • Which HRA is right for you – whether it’s a QSEHRA or ICHRA
  • How much to reimburse
  • What you will reimburse 
  • Whether to include part-time employees 
  • When to start your HRA

Then, an HRA administrator does the work FOR YOU so you can focus on your own company and the happiness of your employees.  

We at Take Command provide a user-friendly platform to make life easier for employers. And we work alongside your employees to ensure they can get the most out of their new HRA. We’re here to answer all your questions, and we’ll be with you every step of the way. 

Connect with us! Set up a call with our experts today to discuss the best HRA administrator for your business. 


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.

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

Let's talk through your HRA questions

Fill out the form below to connect with our team and see if an HRA is a good fit.