Consumer Driven Insurance Solutions for Health Improvement
Responsible Medical and Dental Care Through HSAs, HRAs, FSAs, and MERPs

Employers...Is this familiar?

"Our employees still can't afford to get their dental work done even with a dental plan"

"Our insurance premiums keep going up and it is eating into our bottom line"

"Our employees complain about their rising health costs and decreasing benefits."

"We've tried health benefits stabilization, but we really need health stabilization"

"There has got to be a cost containing insurance with great coverage for all healthcare needs!"

Consumer-Driven Healthcare

A Cost Containing Option for Terrific Health Care that Prompts Healthier Lifestyles

A Medical or Health Savings Account Insurance Plan consists of a high deductible major medical insurance policy in combination with a tax deferred, tax favored savings account that can be used for qualified medical expenses that may not normally be covered by traditional insurance plans. Amounts employers contribute to employees' HSAs are generally not subject to employment taxes.   Learn more…

Flexible Spending Arrangements (FSAs)

A health flexible spending arrangement (FSA) allows employees to be reimbursed for medical expenses. FSAs are usually funded through voluntary salary reduction agreements with your employer. No employment or federal income taxes are deducted from your contribution. The employer may also contribute. Learn more…

Health Reimbursement Arrangements (HRAs)

Health reimbursement arrangements, also known as "health reimbursement accounts" or "personal care accounts," are a type of health insurance plan that reimburses employees for qualified medical expenses.  Employers qualify for preferential tax treatment of funds placed in a health reimbursement account in the same way that they qualify for tax advantages by funding an insurance plan and now a health reimbursement account -- as a business expense under Internal Revenue Code section 162.) Learn more…

A Medical Expense Reimbursement Plan falls into Section 105 of the Internal Revenue Code. The goal of the Medical expense Reimbursement Plan is for the employer to be able to save money. They do this by purchasing a high deductible health plan and using the savings to “buy back” a portion of the deductible. Learn more…

Benefits for Employers
  • Lower premiums -significant savings
  • More health care options for employees
  • Employer funded amount is excluded from employee gross income
  • Employer contributions are not subject to withholding:
    • FICA
    • State and Local Taxes
    • Federal Unemployment
  • Employees have an incentive to liver healthier lifestyles because they'll see their health savings account grow. See Individual Benefits

Our experts in Consumer Driven Healthcare can help you with attractive options that will get your company the healthcare you and your employees need at a price you can afford.

Unexpected illness or disabling accidents can wipe out the person's finances if long term care is required. Offer your employees the opportunity to invest in their future.


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