Multi-state health insurance for employers

Offer competitive health benefits to your employees, across state lines, using a health reimbursement arrangement (HRA)

How does an HRA work?

An HRA is a health benefit that allows employers of all sizes to offer a set amount of pre-tax dollars to their employees who can then spend it on things like insurance premiums, copays, and other qualified out-of-pocket costs, depending on the HRA. We like to think of it as the best of group health insurance with none of the downsides, and it works across state lines.

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Using an HRA, you can:

  1. Control your costs
  2. Forget having to offer compatible group health insurance in multiple states
  3. Satisfy the employer mandate
  4. Give employees the power to choose their own coverage

HRAs work across state lines

One struggle many employers have is finding an affordable health benefit that functions well in multiple states. Because an HRA is a reimbursement arrangement and not a health insurance policy, coordinating its use across state lines requires no additional effort. This enables employers to determine their allowance cap and avoid having to deal with health insurance renewals every year.

See how PeopleKeep customers used the ICHRA in the first three months of 2020:

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HRAs satisfy the employer mandate

If you are an applicable large employer (ALE), which is any employer with 50 or more full-time equivalent employees, then you are required to offer minimum essential coverage to at least 95% of full-time equivalent employees and their dependents. Luckily, the ICHRA satisfies the requirements of the employer mandate, as long as your health benefit is considered affordable.

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Learn more about each HRA


For employers with 1-49 employees

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

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For employers of all sizes

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

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Not Sure?

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Choosing the right health benefit can be difficult. Learn which HRA is right for your organization.

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HRAs offer budget control

Each month, employees have a predetermined allowance amount that they can use toward eligible expenses. Once that allowance amount is reached, it cannot be exceeded.

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HRAs let employees choose

Employees love HRAs, too. Using an HRA, they can get reimbursed for health insurance premiums and eligible out-of-pocket expenses, depending on the HRA.

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Additional Learning Resources

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Group health vs. HRAs

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How the HRA works

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