Set Your Budget for Employee Health Costs
Health Reimbursement Arrangements
A Health Reimbursement Arrangement lets your business reimburse employees for qualified medical expenses with pre-tax dollars. You decide how much to contribute, and we handle the reimbursements. Built for Houston employers of any size.
How it works
What an HRA Is, in Plain Terms
An HRA is an employer-funded arrangement that reimburses employees for qualified medical expenses. You set aside pre-tax funds, your employees spend them on real costs, and both of you get a tax advantage.
- 1
You Fund It
First, you decide how much to contribute to each employee's HRA. That figure is your ceiling, so your benefits budget stays predictable from the day you set it.
- 2
Employees Spend It
Once the funds are in place, employees use them for eligible medical costs such as deductibles, copayments and prescriptions.
- 3
We Handle Reimbursements
As those costs come in, we run the reimbursement process, so your team is not chasing paperwork and your employees get paid back without friction.
- 4
Everyone Saves on Tax
Because the money was set aside pre-tax at the start, what the arrangement leaves you with is a tax advantage for your business and for the employees using the benefit.
Why employers use an HRA
What an HRA Does for Your Business
An HRA gives your people a flexible, competitive benefit without handing control of the cost to someone else.
A Cost You Control
You set the contribution amount, so what you spend is capped at what you budgeted.
Lower Healthcare Costs
Pre-tax funding and maximized tax deductions bring down what the benefit actually costs you.
Covers Real Out-of-Pocket Costs
Deductibles, copayments and prescriptions are the expenses employees feel most, and an HRA is aimed at exactly those.
Works with Your Current Plan
An HRA can complement traditional group health insurance, high-deductible health plans and other health benefits you already offer.
Open to Any Size Employer
HRAs are available to employers of all sizes. Employees must be covered under a health insurance plan to participate.
Helps You Keep Good People
A valuable, flexible benefit makes your offer competitive when you are hiring in Houston.
Why PCIS
Why Houston Employers Set Up Their HRA with Us
Primary Care Insurance Solutions is a local Houston agency. We design the arrangement around your business, then stay with you once it is running.
Local Expertise
We work with Houston businesses every day and understand the needs specific to this market.
A Design Made for You
We tailor the HRA to your company culture and your budget instead of fitting you into a template.
Tax Savings, Found Deliberately
We structure the arrangement to maximize your tax deductions and lower your healthcare costs.
Support Past the Signature
Our team guides you through the entire process and stays available to you and your employees.
FAQ
Frequently Asked Questions
What are the eligibility requirements for an HRA?
HRAs are available to employers of all sizes. Employees must be covered under a health insurance plan to participate.
Can I offer an HRA alongside other health benefits?
Yes, HRAs can complement traditional group health insurance plans, high-deductible health plans (HDHPs), and other health benefits.
How much does it cost to set up an HRA?
Contact us for a free consultation to discuss your specific needs and receive a customized quote.
Reviews
What Our Clients Are Saying
Decide Your Budget. We Will Build the HRA Around It.
Tell us what you want to spend and who you cover. We will show you what an HRA can do for your Houston business in a free consultation.