Selling Insurance to Businesses - Section 105 HRA

Here's the problem: under the new government-mandated healthcare system, healthy employee groups with relatively fewer and less costly claims will pay the same rates for health insurance as unhealthy employee groups with higher utilization and more expensive claims. So the cost to insure the unhealthy groups will be shared by all of the healthy groups, which means that— So, how can you segregate your healthy employee group from the excessive cost of insuring the unhealthy employee groups and subsequently reduce the cost of your healthcare insurance by as much as 40% but without reducing benefits to your employees and yet still remain compliant with government regulations? With Section 105 of the Internal Revenue Code, otherwise known as a healthcare reimbursement arrangement, or HRA for short. An HRA is an employee benefit plan that allows employers to reimburse employees with tax-free dollars for healthcare