Health benefits for small teams that can’t make group insurance work.

Help your employees pay for individual health coverage while keeping your business in control of the monthly budget.

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You want to take care of your employees. Group insurance may not be the right fit.

For many small businesses, offering health benefits sounds like the right thing to do until you start looking at the numbers.

The premiums are too high.
The choices are limited.
The requirements are confusing.
The renewal increases are unpredictable.
And for smaller teams, a traditional group plan may not make sense at all.

So you end up stuck between doing nothing and taking on a health insurance plan your business may not be ready for.

There may be a better way.

Another Way

You may be able to offer health benefits without a group plan.

Some small employers can use reimbursement-based health benefit strategies to help employees pay for their own health coverage.

Instead of choosing one group health plan for everyone, the employer may be able to set a monthly contribution amount. Employees can then use that benefit toward eligible individual health coverage and medical expenses, depending on the type of arrangement and the rules that apply.

That means your business may be able to offer health benefits with more flexibility, more budget control, and less dependence on a traditional group insurance plan.

You do not need to know all the acronyms before you reach out. That is what the call is for.

What HRA Geeks Does

We help small employers understand their health benefit options in plain English.

HRA Geeks helps small business owners make sense of health benefit options that are often confusing, overlooked, or buried in insurance jargon.

On a call, we will help you think through questions like:

  • Can my business offer health benefits without group insurance?
  • What options may be available for a company our size?
  • How much could we contribute each month?
  • How would this work for employees?
  • What do we need to consider before moving forward?
  • What should we ask a broker, administrator, accountant, or benefits provider?

The goal is simple: give you enough clarity to know whether this path is worth exploring.

Who This Is For

Built for small employers who feel stuck.

HRA Geeks may be a good fit if you:

  • Have fewer than 50 employees
  • Do not currently offer group health insurance
  • Looked at group coverage and found it too expensive
  • Want to offer something better than “you’re on your own”
  • Need a more predictable monthly benefits budget
  • Have employees with different health coverage needs
  • Want to compete for talent without overcommitting your business

This may be especially useful for small professional firms, local service businesses, startups, nonprofits, contractors, consultants, family businesses, and growing teams that want to support employees but cannot make traditional group insurance work.

How It Works

Start with a conversation.

You do not need to figure this out before you talk to someone.

  1. Tell HRA Geeks about your business
    Share your employee count, current benefits situation, budget concerns, and what you are trying to solve.
  2. Talk through your options
    Chris will explain what may be available, what questions matter, and whether an HRA-based approach could be worth considering.
  3. Understand the employee side
    A health benefit only works if employees understand it. You will talk through how this could affect employees, coverage choices, and communication.
  4. Decide on the next step
    If the approach makes sense, Chris can help you understand what to do next and who may need to be involved.

Not ready to schedule a call yet?

Download the Small Business HRA Checklist and get a simple overview of what to consider before offering a reimbursement-based health benefit.

Inside, you will learn:

What an HRA is at a high level
Why some small employers use this instead of group insurance
What questions to ask before choosing a benefits strategy
How employee coverage may fit into the process
When it makes sense to talk to someone

Download the Checklist

Common Questions

A few things small employers usually want to know first.

If you are wondering whether this is legitimate, whether it replaces group insurance, or whether it could work for a business your size, you are not alone. Here are a few quick answers before you schedule a call.

No. This is not the same as buying one traditional group health plan for your employees. In many cases, the idea is to help employees pay for eligible individual coverage or medical expenses through a structured reimbursement benefit.

No. Most business owners do not need to know that before the first call. There are different types of HRAs and different rules depending on your company size, current benefits, and goals. Chris can help you understand which options may apply.

HRA Geeks is especially focused on small employers, including businesses with fewer than 50 employees that may not be able to offer traditional group insurance. The right option depends on your situation.

In many cases, employees may be able to choose individual health coverage that fits their needs. The details depend on the type of benefit offered and the rules that apply.

It may. Many small employers want to offer some form of health benefit but cannot afford or manage a traditional group plan. A reimbursement-based approach may give you a way to contribute toward employee coverage while keeping more control over your budget.

HRA Geeks helps small employers understand their options and decide what questions to ask before moving forward. Final plan design, administration, tax, legal, and compliance matters should be reviewed with the appropriate professionals.

You may have more options than you think.

If group health insurance has felt too expensive, too complicated, or out of reach, it may be time to look at another path.

Schedule a call with Chris and talk through whether an HRA-based health benefit could work for your business.

Schedule a Call
Download the Checklist

Talk through your options.

You do not need to know which type of HRA you need, whether your employees would use Marketplace plans, or how this would be structured before you reach out. Share a few details about your business and get help understanding what options may be worth exploring.