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Health Benefits Blog

Five-minute guide to medical loss ratios (MLRs)

Medical loss ratios (MLRs) keep insurance companies from spending your premium dollars unwisely. See how MLRs are calculated and what they mean for you.

Affordable Care Act  |  Gabrielle Smith

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Learn more about each HRA

QSEHRA

Employers with 1-49 employees

A simple, controlled-cost alternative to group health insurance.

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ICHRA

For employers of all sizes

A flexible health benefit solution that can be used alone or alongside group health insurance.

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GCHRA

For employers offering group coverage

A group health supplement to help employees with out-of-pocket expenses.

Learn More