The Sleeping Benefit

Let me guess.

You’ve thought about offering health insurance for your team…

and immediately felt your stomach drop.

Because once you have five… ten clinicians…

that expense adds up fast.

So most practice owners assume the choice is simple:

Either you offer full health insurance.

Or you offer nothing.

But there’s actually another option a lot of people overlook.

It’s called an HRA.

HRA stands for Health Reimbursement Arrangement.

Instead of providing a full insurance plan, the practice reimburses employees for their own health insurance—up to a monthly amount you decide.

I’ve seen practices reimburse things like:

$225 per month

$300 per month

$450 per month

You control the cap.

Your team chooses the plan that works for them.

Their life. Their family. Their situation.

And the practice can offer a real benefit without taking on the full cost of a traditional group plan.

One reason I like HRAs so much is the flexibility.

They can support different roles differently.

You might reimburse more for licensed clinicians or leadership roles.

Less for admin or pre-licensed roles.

Not because one role matters more than another.

But because the financial model of the practice is different for each role.

It’s generosity with structure.

Not all-or-nothing.