The classic
Integrated HRA
Runs alongside your group health plan and absorbs the sharp edges — deductibles, coinsurance — so a higher-deductible strategy doesn't land on employees as a pay cut.
The HRA is the employer's scalpel: fund exactly the costs you want to cover — a deductible gap, dental and vision, retiree medical — with tax-free reimbursements and rules you write. No other account bends to plan strategy like this one.
Runs alongside your group health plan and absorbs the sharp edges — deductibles, coinsurance — so a higher-deductible strategy doesn't land on employees as a pay cut.
Up to $2,200 per plan year (2026) for dental, vision, and other excepted benefits — even if the employee declines your group plan.
A funded bridge for the people who built the place — premium and medical reimbursement for retirees, administered without the paper blizzard.
Excepted-benefit HRA limit for plan years beginning in 2026 per IRS Rev. Proc. 2025-19. Additional designs — including individual-coverage HRAs — available; ask us.
Every HRA is custom — which is exactly why administration quality matters more here than anywhere else in the suite. Addcare runs HRA designs on the WEX Health platform, rails that have administered benefit accounts for more than 35 years and support millions of HRA participants1.
What we add is the part big administrators dropped: a named human who knows your plan design, substantiation handled with AI speed and human judgment, and reporting your finance team can actually read.
1. Platform scale figures as reported by WEX Health, 2026. Partner-reported.
Bring us the plan strategy. We'll bring the HRA design that fits it.