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A New Era of Employee Health Benefits

Benafica helps employers replace rigid group health plans with more flexible, tax-free health reimbursement arrangements, so you can offer better benefits at a predictable cost.

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What We Do

ICHRA, QSEHRA, and Benefits Administration
Built for Your Workforce​

Individual Coverage HRA

The most flexible health benefit for employers of any size. Set a monthly allowance by employee class, let employees choose their own individual health insurance, and reimburse them tax-free. No contribution limits or participation minimums.

Explore ICHRA →

Qualified Small Employer HRA

Designed for small businesses with fewer than 50 employees. Offer your team a simple, tax-free health benefit with IRS-set contribution limits. Employees can use any qualifying coverage, including a spouse’s plan or Medicare.

Explore QSEHRA →

Third-Party Administration

For over 60 years, Benafica has helped associations manage benefits programs.
Our TPA services include administration for life, home, auto, dental, and vision insurance—backed by a dedicated service team and purpose-built technology

TPA Services →

Medicare Enrollment Help

Licensed Medicare brokers in Minnesota and Wisconsin. We help individuals navigate Original Medicare, Medicare Advantage, and Part D at no cost. Our advisors work across all major carriers to find the right fit.

Medicare Help →

Meet BEN360: Our ICHRA Platform

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BEN360 is Benafica’s in-house ICHRA administration platform, built specifically to handle the compliance, reimbursement, and reporting demands of a well-run ICHRA.

Trusted by Employers and Brokers

Latest Articles

medicare webinars blog

Free Webinar: ICHRA 101 – A Modern Health Benefit Strategy for Today’s Employers

As healthcare costs continue to rise, many employers are rethinking how they offer benefits. If you’ve found yourself questioning whether traditional group health insurance is still the right fit, you’re not alone—and there are alternatives worth exploring.
Mid-Year ICHRA starts blog

Yes, You Can Start an ICHRA Mid-Year. Here’s How.

Wondering if you can start an ICHRA mid-year? You can. Learn how notice periods work, how a special enrollment period is triggered, and how to transition from group coverage without disrupting your employees’ benefits.
ACA 2026 Enrollments update blog

ACA Update: How Enrollment Fared for 2026

CMS’s latest data shows 2026 ACA enrollment declines were far more modest than experts predicted after enhanced premium tax credits expired. While some drop-off occurred, the individual market proved more resilient than expected. Here’s what the numbers reveal.

Ready to Offer Better Benefits?

Talk to Benafica about setting up an ICHRA or QSEHRA for your business.

We’ll help you choose the right HRA type, design employee classes, and handle all the administration.

Call us at 651-287-3253 or fill out the form below.