Health Reimbursement Arrangements (HRA)
Cover medical expenses tax-free while keeping control of your company’s total benefit costs.
Rethink Benefits the Flexible Way
Offering employee healthcare doesn’t have to mean locking into expensive, one-size-fits-all group plans. An HRA lets you set the budget and give your team freedom to use funds for what they truly need.
What’s Holding You Back?
- Premiums keep rising
- Plans don’t fit every employee
- You’re paying for benefits that go unused
PMG Makes HRAs Simple
PMG Agency helps you create a custom HRA strategy that fits your workforce and your budget. We walk you through eligibility, tax rules, and claim processes—making the entire setup compliant and stress-free.
A simple path to better coverage
1
Assess & Plan
Discuss your reimbursement goals, workforce size, and eligible expenses
2
Build the Program
- Set monthly/annual limits
- Ensure compliance with IRS and ACA rules
3
Ongoing Support
We provide onboarding materials and help employees submit claims with confidence
Why Employers Choose HRAs
- Predictable Costs – You define contribution amounts, not the insurance company
- Tax-Free for All – Contributions are tax-deductible; reimbursements are tax-free to employees
- Employee Freedom – They use funds for co-pays, prescriptions, or qualified expenses
- Pay-as-Used – Reimburse only what employees actually claim
- Stronger Retention – Personalized benefits show employees you care
Better Benefits, Less Waste
An HRA puts choice back in the hands of your team and helps you avoid wasted spend on coverage no one uses.
“PMG helped us ditch the cookie-cutter group plan. Now we offer an HRA that fits our team and keeps costs manageable.”
John HandySmall Business Owner
Ready to Customize Your Benefits?
Stop overspending on outdated plans. PMG Agency will help you build a modern, flexible HRA that supports your employees—and your business.
