Defined Contribution HRA. The HRA becomes the entire employer health benefits plan. Employees purchase their own individual health insurance, and seek reimbursement for the premium from the HRA 100% tax-free.
New-employee HRA. Provides health insurance coverage from first day of hire until employees become eligible for regular health benefits.
Retiree HRA. Provides an extended and less expensive alternative to COBRA health insurance, and can help older employees with early retirement.
High-deductible HRA. Encourages employees to choose high-deductible health insurance and incentivizes smart shopping (i.e., buying generics, medical shopping).
Supplemental HRA. Fills the gaps that some group and individual plans do not cover (e.g., accidents, maternity).
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