A Simple & Affordable Way to Offer Benefits
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.
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We make it easy for you to save.
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.
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.
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.

— Bobby, Liferaft Client
Book your free consult
Modernize your benefits with Liferaft
You can save on costs and increase plan flexibility, without sacrificing quality.
Fill out your information below and our team will provide a free report on how your small business can save on your employee benefits with Liferaft.
Get your free analysis

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.
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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


Empower your employees
Employees select their healthcare plan
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.
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.
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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