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Consumer driven health plans give employers and employees more control over health care costs. Caba implements HSA (Health Savings Account) and HRA (Health Reimbursement Arrangement) Plans to help our clients provide for their employees’ health expenses using the most advanced products available for consumer driven health care programs.

health savings accounts (HSA's)
An HSA is a tax-exempt account established to pay qualified medical expenses of account holders who participate in high-deductible health plans. Caba assists clients in establishing HSA's as a component of their overall benefit program.

Contributions can be made by either the employee, employer or third party and may be rolled over for future use for qualified expenses.

Total contributions can equal the deductible on the high-deductible health plan, up to a maximum established each plan year.

Employee contributions are tax deductible while employer contributions are excluded from gross income and exempt from FICA taxes.

health reimbursement agreements (HRA's)
HRA’s are employer funded accounts combined with high deductible health plans that reimburse employees for qualified medical care expenses. Caba has extensive working knowledge of the HRA program and helps clients understand the purpose and benefits of an HRA as a consumer driven healthcare option.

The employer is the sole contributor to the HRA and sets annual funding limits.

Contributions may be rolled over for future qualified expenses and accounts may be interest bearing at the discretion of the employer.

We offer the convenience of the Benny™ Card Prepaid Benefit Card Program to provide immediate access to funds set aside through participation in an HRA.