Tax-advantaged accounts help employers and employees save money through pre-tax contributions, reimbursements, and smarter healthcare spending. When paired with an Individual Coverage Health Reimbursement Arrangement (ICHRA), they become even more powerful, giving businesses cost control and employees more choice in how they manage expenses. At Benni, we make these accounts simple by managing compliance, enrollment, and reimbursements through our free administration platform. Unlike traditional agencies that leave employers or brokers to figure it out, we provide the education, technology, and lifetime consulting that make these accounts a true financial advantage.
Health Savings Account (Hsa)-Qualified Health Plans
HSA-qualified high-deductible health plans (HDHPs) are a natural fit with ICHRA. Employers can use ICHRA dollars to reimburse employees for their individual HDHP premiums, while employees remain HSA-eligible to contribute pre-tax dollars. This gives employers predictable costs and employees the ability to offset deductibles with tax-free savings. For brokers, it’s a flexible solution that keeps clients compliant while expanding plan choices. At Benni, we design ICHRA strategies around HDHPs so employees can take full advantage of HSAs while employers lower premiums and retain talent.
Health Savings Account (Hsa)
HSAs allow employees to save pre-tax dollars for deductibles, prescriptions, and other qualified expenses—and even roll funds into retirement. When paired with ICHRA, employees can use employer reimbursements for premiums and still build HSA balances to indemnify themselves against out-of-pocket medical costs. The advantage for employers is clear: they control the budget, employees gain financial security, and brokers can offer a tax-smart, future-ready solution. Unlike traditional agencies that stop at setting up an HSA, Benni integrates HSAs into our platform, ensuring contributions, balances, and reimbursements are simple and transparent.
Flexible Spending Account (Fsa) – Medical
Medical FSAs let employees set aside pre-tax dollars for deductibles, co-pays, and other out-of-pocket expenses. While FSAs and ICHRA generally don’t pair directly—since both reimburse medical expenses—employers can offer limited-purpose FSAs (covering vision and dental) alongside ICHRAs. This allows employees to maximize savings without overlap. At Benni, we guide employers and brokers on when to use FSAs strategically, ensuring compliance and avoiding duplication. The benefit: employees reduce taxable income, employers save on payroll taxes, and brokers provide smarter, layered solutions.
Flexible Spending Account (Fsa) – Dependent Care
Dependent Care FSAs are fully compatible with ICHRA because they cover childcare and eldercare expenses, not healthcare. Employees save pre-tax dollars on services they already use, while employers reduce payroll taxes at no extra cost. For brokers, offering Dependent Care FSAs alongside ICHRAs adds another tool to build a comprehensive benefits strategy. At Benni, we simplify dependent care FSAs with automated claims processing and clear employee education, turning a complex benefit into one employees truly value.
Health Reimbursement Arrangement (Hra)
An ICHRA is itself a type of HRA, designed to reimburse employees for their health premiums and medical expenses on a tax-free basis. Employers gain budget control, compliance, and flexibility while employees choose the plan that best fits their needs. Brokers benefit by offering a scalable solution that works for businesses of all sizes, opening new markets. Other specialty HRAs—such as excepted-benefits HRAs for dental or vision—can sometimes be layered with ICHRAs for additional coverage. At Benni, we don’t just set up ICHRAs—we manage them with technology that tracks reimbursements, ensures compliance, and keeps everything seamless.
Why Employers & Brokers Choose Benni For Ichra + Tax-Advantaged Accounts
- Employers get cost predictability, tax savings, and a platform that handles compliance and administration automatically.
- Brokers gain flexible, modern solutions to win and retain clients while expanding benefit options.
- Employees receive pre-tax savings, customized coverage, and a smarter way to manage out-of-pocket expenses.
With Benni, tax-advantaged accounts aren’t just an add-on—they’re a strategic tool to reduce costs, improve retention, and deliver lasting value.
Questions & Answers
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