Group health insurance plans are on average 62% cheaper when purchased on the individual 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.

Our straightforward accounts only take 5-mins to manage each month—allowing HR 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.

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.

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.

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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HOW IT WORKS

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.

HRA ADMINISTRATION PRICING

Simply the most affordable full-service
HRA management product available.

1 - 10 Employees

Starter

$12.50 / employee / month

+ $50 / mo base fee

Get Started

11 - 100 Employees

Advanced

$12.50 / employee / month

No base fee

Get Started

100+ Employees

Enterprise

Contact Liferaft for enterprise pricing.

Get the guide to your Individual Coverage HRA (ICHRA)

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After form submission, you will automatically be redirected to download your guide!

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

HR Leaders: Book your consult with Liferaft