Health Reimbursement Account (HRA) in Charlotte, NC
A health reimbursement account (HRA) can be a valuable tool for employers looking to offer flexible, cost-effective health benefits to their teams. At The VantagePoint Group, we help businesses in Charlotte, NC design and manage HRA programs that support both organizational goals and employee well-being. 
What Is an HRA?
An HRA is an employer-funded account that reimburses employees for qualified medical expenses and, in some cases, health insurance premiums. Unlike traditional group health insurance, HRAs give employers more control over costs while providing employees with greater flexibility in how they use their benefits.
Types of HRAs Available
Employers in North Carolina have several HRA options to consider, each with unique features:
- Traditional HRA—Typically paired with a group health plan, this option allows employers to reimburse employees for a wide range of eligible medical expenses.
- Individual coverage HRA (ICHRA)—ICHRAs enable employers to reimburse employees for individual health insurance premiums and qualified expenses, offering flexibility for diverse workforces.
- Qualified small employer HRA (QSEHRA)—Designed for small businesses (fewer than 50 employees), QSEHRAs allow employers to provide tax-free reimbursements for health expenses and premiums, without the need for a group health plan.
How Our Team Supports Your HRA Program
At The VantagePoint Group, we understand that every business has unique needs. Our team works closely with employers and HR professionals to:
- Assess your organization’s goals and workforce needs
- Recommend the most suitable HRA type for your situation
- Handle plan design, compliance and ongoing administration
- Educate your employees on how to use their HRA benefits effectively
Contact our team today to discuss your options and start building a flexible, effective health benefits program.