Benefits Administration
Health Reimbursement Arrangements (HRA)
Employer-funded accounts that reimburse employees for qualified medical expenses — with full flexibility to design the plan that fits your workforce and budget.
What Is an HRA?
A Health Reimbursement Arrangement (HRA) is an employer-funded benefit account that reimburses employees for eligible out-of-pocket medical expenses and, in some cases, individual health insurance premiums. Unlike FSAs and HSAs, only employers contribute to HRAs — employees never fund them.
HRAs are one of the most flexible tools in the benefits toolkit. Employers set the contribution amount, define eligible expenses, and control rollover rules. Eagles handles all the administration, compliance, and employee support.
HRA Plan Types We Administer
Eagles administers all major HRA types — from traditional group HRAs to the newest individual coverage models.
Traditional HRA
Paired with a group health plan, a traditional HRA reimburses employees for out-of-pocket medical expenses not covered by their primary insurance. Employers set the annual allowance and eligible expense list.
ICHRA (Individual Coverage HRA)
Allows employers of any size to reimburse employees tax-free for individual health insurance premiums and medical expenses. Employees shop for their own coverage on the individual market or exchange.
QSEHRA (Qualified Small Employer HRA)
Designed for employers with fewer than 50 full-time employees who do not offer a group health plan. Reimburses employees for individual premiums and qualified medical expenses up to IRS annual limits.
Limited Purpose HRA
Restricted to dental and vision expenses, allowing employees to also contribute to an HSA. Ideal for employers offering a high-deductible health plan who want to maximize employee tax savings.
What Eagles Handles
- Plan design consultation and document preparation
- Employee enrollment and eligibility management
- Expense substantiation and reimbursement processing
- Debit card administration (where applicable)
- IRS compliance and plan document maintenance
- ERISA wrap document support
- Annual reporting and nondiscrimination testing
- Dedicated employee support line
Why HRAs Work
The Employer Advantage
100% Employer Funded
Only employers contribute — employees never put their own money in. Unused funds stay with the employer at year end (unless you choose to allow rollover).
Tax-Free Reimbursements
Reimbursements are tax-free to employees and tax-deductible for employers — making HRAs one of the most tax-efficient benefit vehicles available.
Full Design Flexibility
You control the contribution amount, eligible expenses, rollover rules, and which employee classes participate. Eagles helps you build the right structure.
Works With Any Health Plan
Traditional HRAs pair with group coverage. ICHRA and QSEHRA work without a group plan — giving small and mid-size employers a powerful alternative.
Let's design the right HRA for your team.
Whether you're exploring HRAs for the first time or looking to switch administrators, Eagles will walk you through every option and handle everything from setup to ongoing administration.