Health Reimbursement Arrangements

An HRA is an employer-funded personal benefit account that reimburses employees for certain insurance premiums and out-of-pocket medical expenses.

HRA

An HRA is an employer-funded personal benefit account that reimburses employees for certain insurance premiums and out-of-pocket medical expenses.

HRA Overview

How HRAs Work

Give your employees the freedom to choose their own health coverage while providing tax-free reimbursement for insurance and medical expenses.

Personalized Benefit Accounts: Each employee receives a dedicated BENNGI account.
Employer-Funded Allowance: Employers set a monthly benefit allowance, which is deposited into each employee’s Personal Benefit Account.
Employee Choice: With guidance from licensed insurance agents, employees select the health, Medicare, dental, and/or vision plans that best fit their needs.
Tax-Free Reimbursement: Employees are reimbursed for insurance premiums and other qualified medical expenses—completely tax-free—through Benafica.

Works for companies of any size
No max contribution limits
Best for employers wanting flexibility and different benefit levels for employee groups

Less than 50 full-time employees
Annual contribution limits apply
Best for small employers looking for a cost-effective, simple health benefit option

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