Explore this comprehensive analysis of the 2025 individual health insurance rate change requests by carrier and by state, highlighting variations and trends across the nation.

Health insurance agents can significantly boost their revenue and enhance client satisfaction by expanding their offerings to include HRAs, which provide flexible, cost-effective healthcare solutions and new income opportunities through ACA enrollments.

Learn about the evolving landscape of employer-sponsored healthcare, focusing on the prevalence of self-funded plans, the emergence of level-funded options, and the simplicity of HRAs.

Utilizing data from the KFF’s 2023 Employer Health Benefits Survey, we will outline key trends that brokers and PEOs need to know regarding insurance dynamics in 2023.

Indiana’s House Bill 1004, Health Care Matters, offers a special tax break for businesses with fewer than fifty employees that provide health benefits with an ICHRA.

State-by-state report of cost differences between small group and individual plans and how it impacts the ICHRA market.

The 2023 Year-End Report notes increased ICHRA and PEO use, highlighting the need for change management and tech integration. In 2024, group brokers and PEOs must adapt to rising group market rates with strategic partnerships, tech advancements, emphasizing state incentives, and customization for continued HRA market growth.

Dive into the highlights of Liferaft’s 2023 Year-End Report on HRAs. From the growing popularity of HRAs across organizations of all sizes to key considerations influencing employer decisions, this comprehensive report provides insights into the evolving landscape of HRAs.

Discover how Rhode Island businesses are rethinking employee health coverage, unlocking substantial cost savings with innovative solutions like an HRA.

Explore strategies for keeping health insurance affordable in Maryland, including selecting reliable insurance carriers, harnessing cost savings through HRAs, and examining various HRA types for customized solutions.

This article discusses affordable health insurance options for Massachusetts businesses, including how f HRAs can provide personalized coverage with significant cost savings.

Business owners in New Mexico are grappling with the escalating costs of group health insurance. Pursuing cost-effective and comprehensive health benefits has led many small to mid-sized businesses to explore alternative solutions.

While a Liferaft Health Reimbursement Arrangement has many different use cases, it can be particularly effective in providing major medical insurance in states where the rates for health insurance on the state’s exchange are cheaper than group health insurance rates. 

If you’re a Minnesota business owner, there are many ways to set up benefits for your business—from group health to PEOs, to the individual marketplace.

As a small to mid-sized business, there is a variety of ways you can set up health insurance for your employees. In this article, we break down the pros and cons of each type.

Learn about the four types of Health Reimbursement Arrangements offered by Liferaft to see which best fits your company's needs.

HRAs can be used to reimburse employees for many qualified expenses outlined by the IRS, but employers have the final say in the expenses employees may be reimbursed for.

Like any health plan, a Health Reimbursement Arrangement has specific requirements and features. Learn more about them and the advantages of a Liferaft HRA in this article.

A Liferaft Health Reimbursement Arrangement is more affordable, customizable, and flexible than group health plans. With a Health Reimbursement Arrangement, you can reimburse your employees for insurance premiums or medical expenses not typically covered by their health plan.

Many physical therapy companies understand the importance of taking care of their team's physical and mental health and value quality and comprehensive health coverage. But for these small businesses, offering a group health plan can often feel too complicated, expensive, or restrictive. That's where Liferaft can help.

With healthcare costs rising each year, companies are looking for ways to provide their employees with coverage at an affordable price.

With recent rate hikes for group health insurance, LLC business owners are looking for ways to provide their employees with the same level of coverage while saving money on their bottom line.

With recent rate hikes, business owners in Minnesota are looking for ways to provide their employees with the same level of coverage at a more affordable price point.

In some situations, opening a Liferaft Health Reimbursement Arrangement is a no-brainer. Here we outline the top six use cases where a Liferaft account just makes sense.

With only three employees, this business struggled to find a group plan that would accept them. But, with Liferaft, they quickly started offering health insurance to the team and their dependents.

With a remote workforce all around the country, finding a plan everyone liked was challenging. Through Liferaft, employees purchased the best plan available, then were easily reimbursed through the 100% digital platform.

This business chose to supplement its current health insurance plan with expanded coverage for IVF, abortion care, mental health treatment, and birth control.

Explore this case study demonstrating how businesses are saving big when using a Liferaft Health Reimbursement Arrangement.

With a Liferaft Health Reimbursement Arrangement, you can take advantage of the many different health reimbursement arrangements (HRAs) that reimburse employees for out-of-pocket healthcare expenses.