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Small Business Employee Benefits and HR Blog

Top HRA Articles - ClarifyingHealth.com

Want to become an expert on Health Reimbursement Arrangements (HRAs)? Check out these top articles on HRAs.

FAQ: Can an owner participate in an HRA?

Owners establishing an HRA for their employees should always include themselves and their spouses in the HRA platform, although in some cases such Owners may not receive the same amount of tax benefits as non-owner employees.
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Can I Self Administer an HRA (Health Reimbursement Arrangement)?

Many employers that self-administer an HRA often overlook important compliance obligations that put them at financial risk. Failure to comply with the following requirements is common and can be costly. 

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Why Can't Employers Pay Directly For Employees' Individual Health Insurance Plans?

Some companies might want to pay directly for an employee's individual health insurance plans without utilizing an ERISA and HIPAA-compliant defined contribution health plan, but doing so will put the employer out of compliance with federal regulations and increase the employer's
(and employee's) tax liability.

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2 Minute Guide to Small Business Owner Participation in HRAs

With health care reform taking full effect in 2014, health reimbursement arrangements and defined contribution health benefits are expected to become a mainstream employee benefit. A Health Reimbursement Arrangement, or HRA, is an IRS approved, employer-funded, tax advantaged employer health benefit plan that reimburses employees for out of pocket medical expenses and individual health insurance premiums. A common question about HRAs for a small business is "Can an owner participate in an HRA?"

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FAQ: Can Family Members of an S-Corp Owner Participate in an HRA?

A common question about HRAs for small employers is "Can an owner participate in a HRA?" The next question is almost always "Can family members of an S-Corp owner participate in a Health Reimbursement Arrangement (HRA)?"

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What Types of Individual Health Insurance Premiums Can Be Reimbursed Tax Free By a Health Reimbursement Arrangement (HRA)?

Health Reimbursement Arrangements (HRAs) can reimburse the following types of insurance premiums provided they were not already paid with pre-tax dollars.

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FAQ: Can I have an HRA and an HSA at the same time?

Everyday we talk to employers, agents, or other financial professionals who ask me questions about Health Savings Accounts (HSAs), and how they function with Health Reimbursement Arrangements (HRAs) and insurance plans. A common question I receive is "Can an employee have an HRA and HSA at the same time?

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Does COBRA apply to Health Reimbursement Arrangements (HRAs)?

Yes. Health Reimbursement Arrangements (HRAs) are subject to COBRA requirements (for employers with over 20 employees), meaning employers must allow employees and/or dependents to continue their HRA coverage after termination if they pay the cost themselves.

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Can Employers Pay for Employees' Individual Health Insurance?

Employers are allowed to use Health Reimbursement Arrangements (HRAs) to reimburse employees tax free for individual health insurance premiums, similar to the way employers contribute on a tax free basis to group premiums. This has been clarified with the release of numerous U.S. Treasury and State publications spelling out how employers can use HRAs for tax-free reimbursement of the premiums paid for personal health insurance policies.

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How Employers Can Contribute to Employees' Individual Health Insurance Plans without Violating Federal Law

The employer can use an ERISA and HIPAA-compliant HRA to contribute to employees' individual health insurance costs without violating federal law.

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Using HRA Classes to Recruit and Retain Key Employees

Recruiting and retaining great employees is important to every company-from major global corporations to the newest small business. Getting the best people requires you to give them great compensation. Your health benefit plan is a key part of the compensation you offer. A Health Reimbursement Arrangement, or HRA, is an IRS approved, employer-funded, tax advantaged employer health benefit plan that reimburses employees for out of pocket medical expenses and individual health insurance premiums. A common question about HRAs for a small business is "Can I give different HRA amounts to different employees?"

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HRA Administration - 15 Features To Expect From Your Provider

The regulations governing Health Reimbursement Arrangements or HRAs are so flexible that there are literally hundreds of features you should consider when selecting an HRA software administration platform. Here are the top 15.

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HSAs vs HRAs (Savings Accounts vs Reimbursement Arrangements)

Which is better: A Health Reimbursement Arrangement (HRA) or a Health Savings Account
(HSA)? The answer depends on what you are trying to accomplish and whether you are an employer or an employee.

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HRA vs HSA vs FSA vs PRA Comparison Chart

Comparison charts provide an excellent way of summarizing complex information.  Check out this HRA, HSA, FSA, PRA comparison chart. It's a good summary of the key differences between the four primary types of health care reimbursement accounts and arrangements.

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The Comprehensive Guide to the Small Business HRA

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