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Free guide: HSA vs. HRA vs. HRP vs. FSA

PeopleKeep News • Aug 22, 2014 6:00:00 AM • Written by: PeopleKeep Team

New Comparison Chart Helps Employers and Health Insurance Professionals Understand HSAs, HRAs, HRPs, and FSAs

Zane Benefits, which provides small businesses with simple and friendly healthcare solutions, announced today the publication of a new guide "HSA vs. HRA vs. HRP vs. FSA." The easy-to-understand comparison chart helps employers and health insurance professionals understand account-based health plans.


According to Zane Benefits, health insurance costs in the U.S. are rising at an exponential rate. As such, employers are adopting account-based health plans (ABHPs) as a strategy to lower the cost of healthcare without reducing coverage for employees. 

An ABHP is a consumer-directed strategy that pairs a group health insurance plan with a tax-advantaged medical spending account. With a total-replacement ABHP, the medical spending account is offered as the main health benefit plan - instead of a group health insurance plan. 

The new guide provides a straight-forward comparison chart of the four most common types of medical spending accounts used with ABHPs, including:

  • Health Savings Accounts (HSAs)

  • Health Reimbursement Arrangements (HRAs)

  • Healthcare Reimbursement Plans (HRPs)

  • Flexible Spending Accounts (FSAs)

Employers, health insurance professionals, and CPAs are invited to download the new guide to understand the similarities and differences of HSAs, HRAs, HRPs, and FSAs.

The 6-page comparison chart is available for free download at the zanebenefits.com website and covers the following topics:

  • How employers are using ABHPs to control health care costs

  • Key features of HSAs, HRAs, HRPs, and FSAs

  • Important changes for 2015

  • Why over two thirds of employers are adopting ABHPs

Download the Chart Now!

About Zane Benefits, Inc.

Zane Benefits, Inc., now PeopleKeep, a software company, helps employers, insurance brokers, and accountants take advantage of new defined contribution health benefits via its proprietary SaaS defined contribution software ("ZaneHealth"). Zane Benefits does not sell insurance. Using Zane’s platform, insurance professionals and accountants offer their clients a custom defined contribution plan.

Get our guide to HRAs vs. FSAs vs. HSAs

PeopleKeep Team