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  • HRA - Health Reimbursement Arrangement: 
      • DESIGN: Allows an Employer choose a higher deductible plan to lower costs and use those savings to offer Employees Reimbursement for medical expenses IF experienced. Money not used is the EMPLOYERS
  • HSA - Health Savings Account:  
      • SAVINGS: Employer offers an HSA Medical plan which typically has lower insurance premiums than traditional medical insurance. Having the active HSA Medical plan allows Employee's to open HSA Bank Accounts. Employer's AND Employees can make tax deductible contributions up to IRS maximum limits. Money not used is the EMPLOYEES

  • FSA - Flexible Spending Account: 
      • TAX FREE: Employer offers the ability for Employees to set aside money for expected Medical or Daycare expenses PRE-TAX. Money not used is the EMPLOYERS