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.

Washington HRAs

Washington State employers: Save up to 38% on health insurance^¹

From The Wet Side to The Dry Side, affordable health insurance in Washington starts with a Take Command HRA

Get affordable health insurance in Washington

Avoid expensive Washington group plans

WA state group health insurance is expensive and force employees to settle for limited options.

Get 100% budget predictability

With a Take Command HRA, employers set the budget and employees buy a plan from Washington Healthplanfinder.

Save money with a Take Command HRA

A Take Command HRA is more affordable than small group health insurance for every county in Washington.

A Washington State HRA is up to 38% less expensive than small group health insurance

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

King County

Small group insurance: $527
Individual health plan: $434

Spokane County

Small group insurance: $522
Individual health plan: $412

Whatcom County

Small group insurance: $584
Individual health plan: $426

Look at health plan costs for your county

HRAs have many advantages for Ohio organizations.

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 Healthplanfinder, the WA state health insurance marketplace.

Washington Health Benefit Exchange (WAHBE) allocates state funding for health insurance and supports HRAs

The Washington Health Benefit Exchange has acknowledged that the expiration of enhanced premium tax credits and elimination of federally subsidized coverage has put healthcare access and affordability in crisis. In response, WAHBE allocated $65M to the state premium assistance program, Cascade Care Savings, to offset these federal losses.²

The Washington Healthplanfinder portal was also updated to allow users to input their employer’s HRA contribution amount. The system then automatically calculates the remaining premium and applies state Cascade Care Savings to the balance.

WA State health insurance brokers

If you’re a health insurance broker with clients in Washington, you could be providing them significant savings with a Take Command HRA.

Explore ICHRA for brokers

References:

1 https://www.takecommandhealth.com/hra#widget_1668022107311_map

2 https://www.wahbexchange.org/content/dam/materials/communications/legislative/2026/WAHBE_CCS_issue-brief_2026_120925.pdf

Washington HRA frequently asked questions

Why is Washington State a good place to offer an HRA?

Washington has its own health insurance exchange, Healthplanfinder, which offers a robust and diverse array of insurance plans. This thriving market ensures that employees have plenty of options to find a plan that fits their specific doctors and medical needs, which is the foundation of a successful HRA.

What are the types of HRAs available in Washington?

There are two primary options depending on your business size and goals:

ICHRA (Individual Coverage HRA): Available for businesses of any size. It offers the most flexibility, allowing employers to offer different reimbursement amounts to different classes of employees (e.g., full-time vs. part-time).
QSEHRA (Qualified Small Employer HRA): Specifically for small businesses with fewer than 50 employees that do not offer a group plan. It has set annual contribution limits.

What are the tax benefits for my WA business and my employees?

HRAs are highly tax-efficient:

For Employers: Reimbursements are 100% tax-deductible as a business expense and are free from payroll taxes.
For Employees: Reimbursements are generally tax-free, meaning they don't count as taxable income, providing more buying power for their healthcare.

What is the landscape of state support for HRAs?

The state's commitment to healthcare innovation is another contributing factor to HRA vitality. Washington has always been at the forefront of embracing new healthcare strategies, and HRAs are no exception. As such, businesses can count on the state's support and regulatory framework as they navigate the world of HRAs.

Affordable health insurance for WA’s top industries: healthcare, tech & SaaS, and transportation

Health orgs can provide more flexibility with HRAs.

Healthcare

Staff burnout and rising operational costs make it hard to run a healthcare practice. Take Command takes care of your budget and your clinicians.

HRAs for WA healthcare organizations

Tech & SaaS

Your health benefits shouldn’t hold back talent acquisition. Take Command delivers flexible, personalized health benefits that scale as fast as you do.

HRAs for WA tech & SaaS

large-modern-truck-winding-road-through-green-forest-freight-logistics

Transportation

The transportation industry’s turnover rates have averaged 94% in the past decade, but a Take Command HRA offers new potential for employee retention.

HRAs for Washington transportation

CONNECT WITH US

Contact Take Command to learn about Washington HRAs

We’re here to help and can answer questions about health insurance quotes for your county.

Washington State employers: Save up to 38% on health insurance^¹

Offer flexible, personalized health benefits.

Let employees choose their health insurance plan.

Set your health benefits budget down to the penny.