See how much your small business could save switching from traditional group health insurance to a tax-free HRA.
$500 / mo
$250 / mo
Your projected annual cost
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Small-group benchmark
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Estimated annual savings
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💚100% deductible to employer · Tax-free to employees · No payroll taxes on reimbursements
Estimates use KFF 2024 small-group avg employer cost ($7,584/employee/yr single). Actual savings vary by state, plan design, and employee mix. Not tax or legal advice.
Ready to go deeper?
The calculator gives you the numbers. The full guide explains which program is right for your situation — headcount, wage levels, employee preferences, and state rules all matter.