Why is Ohio considered a top state for ICHRAs?

Ohio has a strong individual market with broad ACA-compliant plan availability and high carrier competition in major metros such as Cleveland, Columbus, and Cincinnati. This can make individual premiums more predictable than many traditional group options.

How much do Ohio employers typically contribute to HRAs for their employees?

The page states Ohio employers reimburse an average of $386 per month, which can cover a significant share of individual market premiums depending on region and plan tier.

Which health insurance carriers are available for my employees?

Carrier availability varies by county, with examples on the page including Ambetter, Anthem BlueCross BlueShield, CareSource, Medical Mutual, Molina Healthcare, Oscar, and UnitedHealthcare.

What is the difference between an ICHRA and a QSEHRA for my Ohio business?

QSEHRA is designed for employers with fewer than 50 full-time employees and includes annual IRS limits. ICHRA is available to employers of any size, has no contribution cap, and supports different reimbursement amounts for employee classes.

What are the tax advantages for my business?

HRA contributions are generally tax-deductible for employers and tax-free to employees when structured correctly, creating a tax-efficient way to fund health benefits.

Texas Health Insurance

Affordable Texas health benefits that let employers control the budget

Flexible health insurance in Texas starts with a Take Command HRA

Get affordable health insurance in Texas

Avoid expensive group health insurance

Texas group health insurance is expensive, and hospital networks can be a challenge to navigate, especially in the DFW metroplex.

Set your own budget and save money

A Take Command HRA lets employers set their own budget, and it’s more affordable than small group health insurance for some major Texas counties.

Give your employees health plan flexibility

With an HRA, employers give a monthly allowance of their choice, and employees buy their own health plan from the ACA Marketplace.

Houston and San Antonio are among Texas cities that benefit from an HRA

The prices below are 2025 average rates for a 50-year-old on a bronze plan. All Texas counties qualify for an HRA. See example counties below.

Harris County

Small group insurance: $509
Individual health plan: $423

Bexar County

Small group insurance: $494
Individual health plan: $478

Montague County

Small group insurance: $563
Individual health plan: $519

Look at health plan costs for your county

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.

Since Texas does not have a state health insurance marketplace, employees buy health plans through the ACA Marketplace.

On the horizon for The Lone Star State

In the Texas 2025 legislative session, lawmakers showed support for lower health insurance premiums and some plan design flexibility through SB1, which focused on funding and flexibility for the Teacher Retirement System¹. While not an HRA bill, it highlights Texas' shift toward giving employees more shoppable healthcare options, a philosophy that aligns with the HRA model.

Texas health insurance brokers

If you’re a health insurance broker with clients in Texas, particularly Harris, Bexar, and Hidalgo counties or cities outside DFW, you could be providing them significant savings with a Take Command HRA.

Explore ICHRA for brokers

1 https://www.trs.texas.gov/about/legislative/legislative-materials/2025-trs-related-legislation-summary

Affordable health insurance for Texas’ top industries: retail, manufacturing, and private equity

Retail

Retail health insurance costs are increasing each year, but HRAs provide affordable coverage for diverse workforces with full-time, part-time, and seasonal staff.

HRAs for Texas retailers

Manufacturing

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

HRAs for Texas manufacturing

Private Equity

The private equity industry has never been more competitive, but a Take Command HRA is a value creation play that nails your exit strategy.

HRAs for Texas private equity

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Contact Take Command to learn about HRAs as an option for Texas health insurance plans

We’re Texas born and bred. Take Command is headquartered in Dallas, with a second office in Austin, and we’re proud to be from the Lone Star State. We are deeply knowledgeable about the Texas health insurance landscape and here to answer your questions about HRAs.