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Alternative benefit Options
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Huhn Insurance Agency
Flexible, Custom Benefits for Forward-Thinking Employers
Choosing the right health benefit strategy shouldn’t be overwhelming. We partner with employers in Wyoming, Idaho, and six other states to build alternative benefit options—like HRAs and WorkPerks—that deliver value, control, and flexibility. Whether you’re introducing benefits for the first time or upgrading what you offer today, we’re here to simplify the process and support you at every step.
Explore Your Alternative Benefit Options
Traditional group health plans aren’t the only way to support your team. Our flexible, tax-advantaged alternatives give you more control over costs while still offering valuable, modern benefits your employees will appreciate.
Qualified Small Employer HRA (QSEHRA)
Designed for businesses with 1–49 employees, QSEHRA allows you to reimburse employees tax-free for individual health insurance and qualified medical expenses—without offering a group health plan.
Individual Coverage HRA (ICHRA)
Ideal for businesses of any size, ICHRA provides the flexibility to reimburse employees for their own individual health coverage. Use it on its own or alongside a traditional group plan.
Group Coverage HRA (GCHRA)
Already offer a group health plan? GCHRA helps you enhance that coverage by reimbursing employees for out-of-pocket costs like copays, deductibles, and prescriptions.
WorkPerks
Modern benefits aren’t just about health insurance. WorkPerks gives you the option to offer reimbursable stipends for wellness, remote work essentials, transportation, and more—broadening your benefit offering and supporting employee satisfaction.
Smarter Ways to Offer Health Benefits
Looking Beyond Traditional Plans?
Health benefits don’t have to follow a one-size-fits-all model. With options like QSEHRA, ICHRA, and GCHRA, you can reimburse employees for the coverage that works best for them. Add WorkPerks to offer lifestyle stipends for wellness, remote work, and more.
We’ll help you find the right combination—whether you’re replacing, enhancing, or moving beyond traditional plans.
What We Help With
- Choosing between QSEHRA, ICHRA, GCHRA, or WorkPerks
- Comparing traditional and alternative benefit strategies
- Setting up compliant HRA plans and reimbursement processes
- Customizing benefits by employee class, region, or role
- Ongoing support for renewals, updates, and employee questions
Who This Is For
- Employers offering benefits for the first time
- Businesses looking to control or reduce benefit costs
- Teams with diverse employee needs or locations
- Companies seeking more flexibility than traditional plans allow
- Organizations wanting to offer wellness or lifestyle perks
Notes & Tips
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Most reimbursements through HRAs are tax-free for both employers and employees.
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HRAs like QSEHRA and ICHRA let you offer health benefits without a group insurance plan.
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Benefits can be tailored by employee type, location, or class—great for hybrid or remote teams.
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With WorkPerks, you can support wellness, tech, transit, and more through reimbursable stipends.
Frequently Asked Questions
Do I need to offer group health insurance to use these options?
Not necessarily. QSEHRA and ICHRA allow you to offer tax-free reimbursements for employees' individual coverage—even without a group plan.
What’s the difference between QSEHRA, ICHRA, and GCHRA?
- QSEHRA is for businesses with fewer than 50 employees.
- ICHRA works for any size employer and is highly customizable.
- GCHRA supplements an existing group health plan to cover out-of-pocket costs.
Can I offer different benefits to different employees?
Yes. With ICHRA and WorkPerks, you can segment benefits based on employee class, such as full-time vs. part-time, remote vs. on-site, or location.
Are there compliance requirements?
Yes, but we help you stay compliant. Each HRA type has specific rules for eligibility, reimbursement limits, and plan documentation—we handle the details for you.
What can WorkPerks be used for?
WorkPerks can reimburse employees for a wide range of non-insurance benefits, such as wellness programs, home office equipment, commuting costs, professional development, and more.
Build a Better Benefits Package for Your Team
We’ll help you design a flexible, cost-effective benefits solution using options like QSEHRA, ICHRA, GCHRA, and WorkPerks—so your plan works for your people, your goals, and your budget.
