HRA: does corp have to offer health insurance also

[tertue]

In order for a corporation to open an HRA plan, does the corp also have to offer health insurance? If not, is it necessary for employees to have individual health insurance plans in order to take part in the plan?

I find a lot of information on Health Reimbursement Arrangements online, but not all of my questions have been addressed. Where is THE BEST place to get answers to questions on setting up, administering, etc.

[GBurns]

No employer has to offer anything,but that will soon change. I suggest that you visit;

www.healthcare.gov and http://healthreform.kff.org/

The effect that PPACA wil have on the employer depends on the number of employees.

No insurance is needed in order to have an HRA. Why does the company want to have HRAs? HRAs are usually part of the overall benefits plan design and are usually not approached in this manner.

There are restrictions in about 42 states prohibiting or limiting the use of HRAs in the small employer market

There are rstrictions in about 40 states prohibiting or limiting the use of individual policies in small employer groups.

The relevance of these prohibitons or limits therefore, depends on the size of the company (# employees) and state in addition to whatever is applicable under PPCA.

[leevena]

In order for a corporation to open an HRA plan, does the corp also have to offer health insurance? If not, is it necessary for employees to have individual health insurance plans in order to take part in the plan?

I find a lot of information on Health Reimbursement Arrangements online, but not all of my questions have been addressed. Where is THE BEST place to get answers to questions on setting up, administering, etc.

HRA's reimburse employees for out-of-pocket medical expenses and individual health insurance premiums. So there does not need to be a corporate sponsored health insurance plan in place, nor an individual health plan in place either.

I would suggest doing a little research, google and you will find many vendors. Also, go to the IRS website.

[tertue]

Corporation employs 1 of the owners (W2 wages). I haven't found any information on the limits that a Corp. contributes to an HRA. I assume it can contribute any amount!?!

Could HRA be used to pay for Health Care Share Ministry fees (as opposed to typical health insurance premiums)?