Business Details
Your Trusted HRA Plan Provider in Rohnert Park, CA
At Marin Benefits, we specialize in designing and administering innovative Health Reimbursement Arrangement (HRA) plans tailored to meet the unique needs of employers and employees. With over 25 years of experience in self-funded benefits, our team has developed a deep understanding of healthcare funding mechanisms, including HSAs, FSAs, and HRAs, which we leverage to create customized solutions that enhance access to care while stabilizing costs. We advocate for employers and their employees by guiding clients through plan implementation and administration, ensuring long-term solutions that balance affordability with comprehensive coverage. Our commitment to kindness, accountability, transparency, and sustainability drives our approach to delivering robust benefits that promote healthier communities. By integrating advanced technologies like secure digital claim submission and paperless operations, we streamline the HRA experience for members and clients alike.Founded on the belief that access to healthcare enables happier, healthier lives, we partner with employers to combine group health insurance with self-funded HRA plans, maximizing healthcare dollars for both parties. Our team actively volunteers in local communities and supports nonprofit clients, reflecting our dedication to social responsibility. We pride ourselves on offering 100% employer-funded, tax-advantaged plans that provide first-dollar coverage and reimburse IRS-qualified medical expenses, ensuring flexibility and cost savings. With ACH funding, automated enrollment, and a secure online member portal, we simplify administration while maintaining compliance with HIPAA, ERISA, and IRS regulations. Our founder, Dr. John Cunningham, has dedicated his career to advancing HRA solutions as the most effective vehicle for self-funded employee benefits, a philosophy that continues to guide our mission today.
Services
Group Coverage HRA
Specialized HRA
Individual Coverage HRA
QSEHRA
Retiree HRA
Limited Purpose HRA
Highlights and features
- We have over 25 years of experience designing self-funded HRA plans.
- Our plans combine group insurance with customizable reimbursement allowances.
- We offer tax-advantaged solutions that reduce employer premium costs.
- Our team advocates for employers and employees throughout the process.
- We utilize technology for streamlined digital claims and paperless operations.
Services
Group Coverage HRA
A Group Coverage HRA pairs with traditional health insurance to reimburse employees for out-of-pocket medical expenses. Employers set reimbursement allowances and eligible expenses, paying only when claims occur. This tax-advantaged solution reduces overall costs while offering first-dollar coverage for participants, improving access to care without pre-funding requirements.
Specialized HRA
Specialized HRAs reimburse IRS-qualified medical expenses not typically covered by group plans, such as behavioral health, acupuncture, and fertility treatments. Employers can tailor eligible expenses to address specific employee needs, providing flexible, tax-free support for services like autism care, chiropractic visits, and vision surgery while maintaining compliance with IRS guidelines.
Individual Coverage HRA
Individual Coverage HRAs (ICHRA) let employers fund employees' purchase of individual-market insurance. Flexible for all employer sizes, these plans reimburse premiums and IRS-qualified expenses, offering scalable solutions for remote or out-of-state workers. Employers control contribution levels while employees choose plans that best fit their healthcare needs.
QSEHRA
Qualified Small Employer HRAs (QSEHRA) enable businesses with fewer than 50 employees to reimburse medical insurance premiums and IRS-qualified expenses. With annual contribution limits, these tax-advantaged plans cover individual health, dental, and vision insurance, providing affordable benefits for small businesses that don't offer group coverage.
Retiree HRA
Retiree HRAs reimburse former employees for Medicare premiums, supplemental insurance, and out-of-pocket medical costs. Designed to fulfill employer commitments to retirees, these plans offer flexible funding options that support long-term healthcare needs while maintaining tax advantages for both employers and beneficiaries.
People
Dr. John Cunningham
Founder
With 25 years in healthcare benefits, Dr. Cunningham pioneered HRA solutions to balance employer costs and employee access. He leads Marin Benefits' mission to deliver innovative, compliant self-funded plans that improve health outcomes.
Questions
What is an HRA plan?
An HRA (Health Reimbursement Arrangement) is a self-funded employer plan that reimburses employees for IRS-qualified medical expenses. Employers customize eligible expenses and contribution levels, offering tax-advantaged support for healthcare costs.
How do HRAs benefit employers?
HRAs reduce employer premium costs by reimbursing employees for out-of-pocket expenses. Employers only pay for incurred claims, retain unused funds, and receive 100% tax deductions while improving employee satisfaction with flexible benefits.
Can small businesses offer HRAs?
Yes. Small employers can use QSEHRAs to reimburse employees for medical insurance premiums and qualified expenses, offering affordable benefits without traditional group plans while complying with IRS contribution limits.
What expenses are covered by HRAs?
HRAs cover IRS-qualified medical expenses like doctor visits, prescriptions, dental, vision, and behavioral health. Employers can customize eligible categories, including fertility treatments, autism support, and alternative therapies like acupuncture.
How are HRA claims processed?
Claims are submitted through our secure online portal or paperless system. Employees receive reimbursements via direct deposit or a benefits debit card after verifying eligible expenses, ensuring quick and efficient processing.
