With a Liferaft HRA, businesses are able to easily set up customizable and flexible benefits for their team. Employers across the country are moving away from group coverage due to unpredictable costs, strict plan restrictions, and limited nationwide options.
Explore a simpler, tax-incentivized way to give your employees the coverage they need and want.
Health insurance plans can be 62% cheaper when purchased by individuals instead of the group market
Our team knows the ins and outs of the health insurance marketplace and will guide you towards solution that make the most sense for your business and your team.
Liferaft's model allows your business to take advantage of those cost-savings without sacrificing quality of benefits
Liferaft will run a cost-benefit analysis on your company's current healthcare spending and show you different ways you can save—without sacrificing plan quality.
Plan management only takes 5-mins a month—allowing your team to focus on what really matters
Based on your company's goals, Liferaft will design a unique plan for your employee's health insurance, including suggested plans and accounts, plan policy documents, and the annual budget.
Liferaft offers white glove service, meeting with each employee to help them find the perfect replacement plan
Based on your company's goals, Liferaft will design a unique plan for your employee's health insurance, including suggested plans and accounts, plan policy documents, and the annual budget.
What you get during your "ask us anything" call? Detailed cost-analysis of current spending | Tax-incentives & benefit structures overview | Customized replacement plan
HOW WE HELP
We make it easy for you to save.
1
Get your review
During your Liferaft consult, we will review your company's current spending and goals. Our team will generate a custom report suggesting ways you can save or affordably expand your current benefits.
2
Design your package
Liferaft will work with you to craft a budget for your health insurance and optional benefits. Our team will suggest individual plans for each employee, based on their unique situation.
3
Set up your accounts
Liferaft’s technology makes setting up and managing your HRA easy. Administering a Liferaft HRA account takes less than 5 minutes a month, allowing you to focus on real HR issues.
Our customers love us.
The Liferaft team is incredibly friendly, communicative, and supportive.
The entire staff is very reliable. I've never had a situation where there was an issue I couldn't resolve.
— Johnny Lopez, Insurance Agent & Liferaft Client
I know I’ll get medical bills even though I have health insurance. Knowing my Liferaft policy pays me cash benefits means I have less to worry about.
Liferaft's Guide to HRAs is the most comprehensive guide available, giving you everything you need to determine if an health reimbursement arrangement makes sense for your business.
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What is an HRA? | HRA Requirements & Features | Eligible HRA Expenses | When an HRA Makes Sense | Different HRA Types | States Where HRA Works Best
GUIDE TO HRAs
Download your guide to get a jumpstart on saving
Liferaft's Guide to HRAs is the most comprehensive guide available, giving you everything you need to determine if an health reimbursement arrangement makes sense for your business.
Your employees choose the healthcare and benefits package that works the best for their situation and region, benefiting from lower rates on your state's individual exchange.
2
Reimburse their costs tax-free
Your employees submit a request for their tax-free reimbursement in Liferaft's easy-to-use 100% digital portal. You decide what level you would like to reimburse.
3
Gain flexibility, without losing quality
Liferaft’s technology makes it easy to give your employees a choice in their healthcare, saving you time and money, while providing the same level of benefits.
Get the guide to your Individual Coverage HRA (ICHRA)
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