Benafica is a health benefits and insurance company that helps employers offer flexible, tax-free health reimbursement plans instead of traditional group health insurance.
Industries We Serve
We build and administer health benefit programs for employers whose workforces don’t fit a standard group plan; mixed schedules, multiple sites, high turnover, or budgets that can’t absorb a renewal increase.
Auto Dealerships & Services
Auto businesses need benefits that can keep up with multiple employee types, locations, and fast-moving workforces. ICHRA gives dealerships and service businesses a flexible way to offer meaningful benefits without forcing everyone into the same plan.
- Variable Hours
- Multiple Locations
Restaurants & Hospitality
Front-of-house, back-of-house, part-time, and management teams rarely have the same needs. Add high turnover and unpredictable schedules, and a group plan gets complicated fast. ICHRA gives restaurants and hospitality businesses a more flexible way to offer benefits.
- Part-Time Majority
- Seasonal Swings
Banks & Credit Unions
Keep what works for your full-time employees while creating new options for your part-time workforce. With a hybrid strategy, banks and credit unions can maintain their existing group plan for one employee class and fund an ICHRA for another.
- Hybrid Group + ICHRA
- Multiple Branches
Non-Profit Organizations
When every dollar comes from grants, donations, or a carefully approved budget, an unexpected renewal increase can create a real problem. An ICHRA lets you set your benefits budget upfront, giving your organization more predictable costs from one year to the next.
- Budget Predictability
- Board-Friendly
Daycares & Independent Schools
Daycares and independent schools often operate on tight margins, seasonal schedules, and lean staffing. An ICHRA lets you offer meaningful health benefits at a defined contribution your organization can realistically budget for.
- Thin Margins
- Seasonal Calendar
- Retention
Religious Organizations
Churches, ministries, and faith-based schools often have small staffs that make traditional group coverage difficult to offer. An ICHRA gives organizations a flexible way to provide benefits without worrying about participation minimums
- Small Staff
- No Minimums
Dental, Veterinary & Small Health Clinics
Small dental, veterinary, and healthcare practices often have just enough employees to need competitive benefits—but not enough to satisfy a carrier’s participation requirements. With an ICHRA, there’s no participation minimum to meet.
- Small Teams
- Specialized Staff
- No Minimums
Construction & Manufacturing
When your workforce spans job sites, shifts, seasons, and union agreements, one benefits strategy may not fit everyone. With ICHRA employee classes, you can build a benefits strategy that accounts for those differences.
- Multiple Locations
- Union & Non-Union
Don’t See Your Industry?
The pattern matters more than the label. If you employ a mix of hourly, salaried, part-time, or seasonal people, the same logic applies. Tell us about your team and we’ll be straight with you about whether an HRA fits.
Lets Build Your Benefits
Tell us a little about your team. We’ll put together ICHRA and QSEHRA options that fit your budget.
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We review your details
A benefits specialist looks at your team and current plan. -
We build your model
Allowance options and costs, tailored to your classes. -
We walk you through it
A short call to answer questions and plan next steps.