Smarter Spending, Real Savings

Health Reimbursement Arrangements (HRAs) and Health Savings Accounts (HSAs) are powerful tools that help both employers and employees take control of healthcare spending. At Medical Brokers, we make it easy to implement and manage these tax-advantaged accounts while ensuring compliance and clarity every step of the way.

Whether you’re looking to reduce premium costs, empower employees to make smarter healthcare decisions, or enhance your benefits package, we provide the expertise and tools to make it seamless.

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Our HRA/HSA Services Include

  • Plan Design Tailored to Your Business Goals
  • Guidance on Contribution Strategies and Compliance
  • Integrated Administration With Your Health Plans
  • Employee Education and Onboarding Support
  • Ongoing Account Management and Reporting

Let us handle the details so you and your team can enjoy the savings and flexibility.

HRA vs. HSA: What's the Difference?

Helping Employers Choose the Right Fit

Understanding the difference between Health Reimbursement Arrangements (HRAs) and Health Savings Accounts (HSAs) is key to offering the right solution for your team. Here’s a quick comparison to help you make an informed decision:

Feature

HRA (Health Reimbursement Arrangement)

Ownership

  • Employer-Owned

Contributions

  • Employer-Funded Only

Portability

  • Typically Not Portable After Employment Ends

Eligibility

  • Can Be Paired With Any Type of Plan, Depending on the HRA Type

Tax Advantages

  • Employer Contributions Are Tax-Deductible

Use of Funds

  • Reimburses Qualified Medical Expenses

Contribution Limits

  • Set by Employer (No Federal Limit)

Account Administration

  • Managed by Employer or Third-Party Administrator

HSA (Health Savings Account)

Ownership

  • Employer-Owned

Contributions

  • Employer and/or Employee-Funded

Portability

  • Fully Portable—Stays With Employee

Eligibility

  • Must Be Enrolled in a High Deductible Health Plan (HDHP)

Tax Advantages

  • Contributions Are Tax-Deductible and Grow Tax-Free

Use of Funds

  • Pays for Qualified Medical Expenses

Contribution Limits

  • Annual IRS Limits Apply

Account Administration

  • Managed by Financial Institution or HSA Provider

Not sure which one is right for your business?

Let MD Insurance Guide help you design and manage the best fit for your team's needs and your bottom line.