Schools, cities, and counties around the country are moving toward higher deductibles on their health insurance plans to help cut health care spending. Many of these organizations also consider offering a Health Savings Account (HSA) in conjunction with the higher deductibles. There may be a better solution. Many governmental organizations have found that a Health Reimbursement Arrangement (HRA) is a better fit than an HSA for their employees, regardless of the plan design or insurance carrier they choose. This guide will help you understand the advantages of an HRA over an HSA.

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