More than 54% of Americans with health insurance have employer-sponsored coverage through group health insurance, according to the U.S. Census Bureau. Employers often offer health insurance as ...

Group members receive insurance at a reduced cost because the insurer’s risk is spread across a group of policyholders. Plans usually require at least 70% participation in the plan to be valid.

An HRA is an employer-funded and -owned group health plan that allows employees to be reimbursed, tax-free, for some medical expenses. There is a cap on how much employees can be reimbursed annually.

A small, growing number of employers are putting health insurance decisions entirely in the hands of their workers. Instead of offering traditional insurance, they’re giving workers money to buy their ...

Big implications for the group health insurance model Individual coverage health reimbursement arrangements have been around since 2020. Ultimately, ICHRA’s long-term success will depend on ...