12 Best HRA Vendors of 2025: Which Provider is Best for Your Business?

You want to support your employees with their healthcare costs, and you know that HRAs are a great way to do that. But is it that easy? Well, no. Because first, you need an HRA vendor that knows what they’re doing, supplies exactly what you need, and is available if you have any queries. When all the vendors promise the earth, how can you find the right fit for your organization? 

This guide explores what you should look for in a health reimbursement arrangement provider and introduces you to 12 of the best HRA vendors in the marketplace in 2025. Pay attention, though, because they don't all have the exact same offering. 

How we chose these HRA vendors

Let’s start with a quick pre-qualification: why did we select these HRA vendors for our list? 

The following 12 vendors made the cut based on several key factors, including HRA plan type, business size fit, technology, customer service, and compliance expertise. Some excel in specific areas—for example, one might offer standout tech features, while another provides exceptional hands-on support. 

Each brings unique strengths to the table, and the best choice ultimately depends on your organization’s size, goals, and preferred plan type.

Top 12 HRA vendors of 2025

Before we dive into the details, here’s the gist up front. The following table gives you a clear overview of what to expect from each HRA vendor on our list. You’ll learn their main features, pricing, G2 score, and what they’re best for. 

1. Benepass 

Benepass is a people-first platform with flexibility at its core. Instead of offering one-size-fits-none employee benefits, Benepass offers a wide range of pre and post-tax plans that empower people with choice. The modern Benepass HRA provides a pre-funded Visa card that employees can use to pay for their high-cost medical expenses, including fertility treatments, gender confirmation surgery, or healthcare-related travel expenses. 

HRA features 

• Card-first technology 
• Enterprise-grade security, with SOC2 certification and bank-level encryption 
• Access to a customer experience team with a 95% customer satisfaction rating
• Built-in eligibility checking for transactions and reimbursements, freeing up your in-house teams to focus on other aspects of your benefits strategy 
• Seamless integrations with your payroll system for automatic enrollment 
• Automatic invitations for your employees to join Benepass and start using their HRA from day one  

What users think 

“Benepass makes managing employee benefits simple. We really value how easy it is to offer flexible benefits that employees actually use and the reporting features. The platform is clear and easy to navigate. Their team is always quick to respond and I love the quality of their support team! They’re also proactive about improving the product, regularly rolling out updates that make the experience better for both admins and employees. It’s been a reliable and efficient tool for our team.” - Tristan O., a benefits analyst 

“The app on the phone is absolutely seamless—it’s fast, user friendly and has a great, easy to use UI. The ease of using the product—we don't need to hop on multiple platforms to make things happen. The product is so good I never had to use customer support for it.” - A computer software industry user 

Pricing 

Benepass offers a transparent pricing structure customized to your business size and requirements. 

Why we chose them 

Benepass is an employee-centric HRA vendor that allows you to customize your plan according to their needs. For example, you can set your HRA with eligible spending categories, including mental health, fertility treatments, health travel, and more. This broad scope is just one of the reasons employees love our platform, and its ease of use is another strong selling point. A verified mid-market user explains, “Love that you can just submit past expenses for reimbursement through the app as well—this has been incredibly useful for me. I find the app itself to be very user-friendly!” 

Benepass also achieves high scores with the G2 software community. It has a score of 4.8 out of 5, with the following category scores out of 10: 9.7 for Ease of Use, Ease of Setup, and Quality of Support. 

2. PeopleKeep 

PeopleKeep is a health benefits provider aimed at small employers. Its HRA administration software is powered by Remodel Health and offers ICHRAs, QSEHRAs, and group coverage HRAs. 

HRA features

• Cost control so you can choose an HRA allowance that fits your budget
• Benefit personalization, enabling employers to choose what their employees can be reimbursed for
• Flexible reimbursements—your funds remain with you until you reimburse your employees directly 

What users think 

“I like the ease of getting my questions in a very timely/knowledgeable timeframe. The customer service (Angela Light) and her team are very efficient and friendly!” - A small business user 

“The pages are sometimes slow to load and there have been instances where features were temporarily unavailable.” - A financial services user 

Pricing

Pricing depends on the type of HRA you’re offering:

• QSEHRAs: From $19 per employee/mo with a $35 base fee added to the subscription
• ICHRAs: From $19 per employee/mo with a $35 base fee added to the subscription
• Group coverage HRAs: From $11 per employee/mo with a $30 base fee added to the subscription

Why we chose them

PeopleKeep are specialists in providing HRAs for small businesses, so if you have fewer than 50 employees, they could be a good fit. They also offer in-house teams to help organizations make the right plan decisions for their people and generate necessary plan documentation to stay compliant. 

3. HealthEquity 

HealthEquity is an established name in the market and also incentivizes employees to stay healthy. 

HRA features 

• Fast onboarding with employer accounts set up in minutes 
• 24/7 support by phone or chat 
• Custom integrations at no extra cost 
• Automatically verified transactions 
• Employees receive a debit card for all transactions 

What users think 

“HealthEquity’s phone customer service is superb! Anytime that I have had to call and ask questions, they always picked up and were able to walk me through the process. Health Equity’s web page is not the most user friendly. You have to learn and call to ask questions.” - Jennifer H., a human resources consultant 

Pricing 

Accurate quotes are available on request. 

Why we chose them 

HealthEquity’s Health Incentive Account works alongside the HRA account, allowing employers to reward their workers for committing to positive habits like meeting fitness goals, quitting smoking, or eating well. 

4. Take Command 

Take Command's founder launched the company when he and his wife were surprised with a twin pregnancy and needed affordable healthcare coverage to support them. 10 years later, Take Command's software helps companies design custom-compliant ICHRA and QSEHRA plans.

HRA features

• 1:1 personalized enrollment support
• Seamless HRIS integrations
• Transparent payroll and compliance reporting
• Custom plan designs 

What users think 

“Our enrollment specialist was a rockstar. Got us onboarding and rolling fairly quickly. The dashboard is easy to navigate and makes administering health benefits easy! The reimbursement process was a little confusing at first, but support helped us figure it out.” - Troy C., a small business CEO 

Pricing 

Take Command splits pricing into two categories: 

• Small employers (for 1-49 employees) from $20 per employee/mo plus a $40 monthly platform fee 
• Large employers (for 50+ employees) are offered custom pricing, plus a $100 monthly platform fee. This plan includes a customer success manager, autopay employee premiums, and custom affordability reports 

Why we chose them 

While Take Command is a great fit for small businesses, it also offers ICHRAs that satisfy the employer mandate for applicable large employers (ALEs). 

5. Gravie 

Gravie promises 100% comprehensive coverage of the most common healthcare services from day one. It offers Gravie Comfort, a zero-copay and zero-deductible plan, Gravie ICHRA for individual marketplace solutions, and Gravie Pay, an interest-free way to pay for medical and healthcare expenses over 12 months. 

HRA features 

• Cost control for the ICHRA, so employers can stick to a fixed budget 
• End-to-end customer support 
• Employees can choose their own health benefits 

What users think 

“My financial situation greatly benefited from my plan covering the expenses of my last few visits.” - a Gravie member based in Georgia 

“Their internal communication is poor and they made it hard to get enrolled.” - A Gravie member 

Pricing 

Accurate pricing is available from the vendor on request. 

Why we chose them 

Gravie partners with a range of health and wellness providers, making it easy for your employees to access the services they need once enrolled. Gravie also offers a handy mobile app for locating health professionals, understanding what’s covered, and reviewing claims statuses. 

6. Clarity 

Clarity Benefit Solutions is a trusted name in employee benefits, offering HRA solutions for organizations of all sizes. Their platform provides robust features that make it easy for employers to manage HRAs while delivering a seamless experience for employees.

HRA features 

• Supports a range of plan designs, including first-dollar coverage, percentage-based coverage, or HRA with an employee deductible 
• Multilingual staff are available to support employers and employees 
• Online enrolment reduces manual processes 
• Clarity Mobile app, including text alerts 
• Claims substantiation via the online portal 

What users think 

“Clarity Benefit Solutions is highly adept at distributing and monitoring our company’s employee benefits. Technologically advanced, personable staff, and a dedication to providing a cutting-edge service and product are hallmarks of this company.” - Yotam., a Clarity user 

“Customer service is vague and unhelpful by email. Does not allow you to respond on the email chain. You have to create a new email request through their website to redo.” - David V., a Clarity user 

Pricing 

Accurate pricing is available from the vendor on request. 

Why we chose them 

Clarity offers a versatile platform that integrates with existing HR and payroll systems. The platform’s emphasis on security and compliance, coupled with its intuitive tools, makes it a reliable choice for businesses looking to enhance their benefits management.

7. Lively 

Lively offers modern health benefit accounts designed for flexibility and ease of use. Known for its sleek interface and transparent pricing, Lively supports FSA, HRAs, and HSAs, making it a solid choice for employers seeking a unified benefits experience.

HRA features 

• Offers a range of HRA plans, including standard, post-deductible, and dental and vision options 
• Custom plan designs with year-round administration support 
• Legally vetted claim verification processes 
• Robust reporting via a central admin dashboard 

What users think 

“Lively is easy to use. The platform flows well and is intuitive. I’ve had to submit receipts for reimbursement when I wasn’t able to use my card and it was seamless and I received the money back quickly.” - Samantha M., a mid-market user 

“I wish there were a more robust integration with our HRIS/ben admin system that includes automatic recognition of payroll contributions, terminations, and enrollments. Outside of OE the process is manual for adding, terminating, and uploading contribution files.” - Kimber H., Director of People Operations 

Pricing 

Transparent pricing is available for individuals, families and businesses. 

Why we chose them 

Lively combines intuitive technology with a strong compliance foundation. Its streamlined dashboard and automation tools make administration easier for employers, while employees enjoy a frictionless experience submitting claims and managing benefits.

8. Alight Solutions 

Alight Solutions is a global benefits technology leader offering tailored HR and health solutions. Its HRA capabilities are integrated within the Alight WorkLife platform, designed to unify benefits management and employee wellbeing in one place.

HRA features 

• Supports more than 13,000 different health plan designs
• Integrates with over 600 HR and payroll systems
• 24/7 access to benefits specialists
• Advanced data analytics to track usage and ROI

What users think 

“Alight Solutions has a highly skilled and experienced team coupled with an incredible training program that helps to keep employees highly motivated. It helps our staff to plan and manage their finances and wellbeing better.” - Oliver R., a small business user 

“My least favorite feature is the bugs; it is slow at times and there are a few bugs that can be frustrating, but nothing that makes it impossible to use.” - Samir, a sales representative 

Pricing 

Accurate pricing is available from the vendor on request 

Why we chose them 

Alight stands out for its enterprise-grade integrations and deep analytics. It’s ideal for large organizations seeking an end-to-end benefits ecosystem that connects HR, payroll, and wellbeing initiatives.

9. Navia Benefit Solutions 

Navia Benefit Solutions is a benefits administrator emphasizing configurable plan designs, participant education, and a broad service footprint spanning many employers.

Its HRA offering serves employers who need flexible plan designs with a strong service and technology backbone.

HRA features 

• Includes 24/7 access for participants via the Navia Participant Portal and mobile access through the MyNavia app, with claim submission, balance views, alerts, and more
• Provides configurable support for many HRA plan types, such as Section 105, ICHRA, dental and vision.
• Offers the Navia Benefits Debit Card for HRAs that cover medically necessary expenses
• Promises a strong service structure with dedicated HRA service reps, implementation support, and participant education, especially around enrollment and usage 

What users think 

“Helps keep track of benefit elections for employees with an easy to use portal.” - A computer industry user 

“The app is oversimplified and does not provide great direction into your statement.” - An IT industry user 

Pricing

Accurate pricing is available from the vendor on request.  

Why we chose them 

We selected Navia for its strong operational track record and ability to adapt to complex plan designs without sacrificing user simplicity. For employers managing multiple reimbursement accounts or compliance demands, Navia’s structure and service depth make it a dependable, scalable partner.

10. WEX Health 

WEX Health is a well-established player in the benefits administration space, with experience in HRAs and other reimbursement programs. The platform is built to support multiple HRA types, large integration capabilities, and analytics tools, making it a solid option for organizations that need scale, flexibility, and visibility.

HRA features 

• Supports a range of HRA structures including 213(d), deductible, one threshold, individual coverage, excepted benefit, and qualified small employer 
• Integrates with 350+ payroll/HRIS/benefit administration partners and more than 225 insurance carriers
• Offers advanced analytics 

What users think 

“It’s incredibly easy and user-friendly to navigate. I like how it seamlessly shows me a dashboard of how many funds I have in all of my accounts and I don’t need to navigate too many tabs to find what I need. While the dashboards are great for seeing your balance, I wish it was easier to find documents and forms such as end of the year tax records (timely for this review!) so that I'm not scrambling across several areas. - A computer software industry user 

Pricing 

Accurate pricing is available from the vendor on request. 

Why we chose them 

WEX Health support for multiple HRA plan designs gives flexibility for complex needs. Its extensive integrations and analytics capabilities also make it a go-to choice for employers who want to drive insights from benefits data. The positive user feedback on usability gives confidence in its everyday experience.

11. Zizzl Health  

Zizzl Health specializes in ICHRA (Individual Coverage Health Reimbursement Arrangement) administration, offering employers a way to offload rising insurance cost risk while giving employees choice and control. Their platform is built to make that transition seamless, with tools to guide employees through plan selection, streamline reimbursements, and ensure ACA compliance.

HRA features 

• Offers wide carrier and plan access so employees can choose from a range of competing health plans 
• Complies with ACA requirements, satisfying availability and affordability requirements 
• Includes decision support and guidance tools 

What users think 

“I was surprised by the number of quality plans available from major health insurers under the program and how much support would be provided to employees throughout the transition.” - Representative of Milwaukee Cylinder 

Pricing 

Accurate pricing is available from the vendor on request. 

Why we chose them 

Zizzl Health is one of the more modern, tech-forward ICHRA tools that emphasizes both employer cost control and employee choice. Its robust decision support and carrier breadth increase the odds that employees can find plans that suit their individual needs.

12. Paychex 

Paychex is a well-known HR and payroll provider that also offers HRA administration as part of its broader suite of benefits services. Its solutions are designed for scalability, serving both small businesses and large enterprises.

HRA features 

• Fully integrated with Paychex payroll and HR solutions
• Customizable HRA plan designs
• Dedicated account management and compliance support
• Real-time claims tracking and automated reimbursements
• Secure online employee portals and mobile access

What users think 

“I love the new benefits Paychex has added which allow employees to choose additional support and services like pet insurance.” - Deb K., an executive director 

“There are a few areas where the platform could be more intuitive. Some features take a bit of time to learn or feel a little clunky at first.” - April C., a project manager

Pricing 

Accurate pricing is available from the vendor on request. 

Why we chose them 

Paychex brings HRA administration into its established HR ecosystem, simplifying processes for businesses already using its payroll and HRIS tools. Its all-in-one approach makes it a convenient choice for organizations seeking a single vendor for multiple HR functions.

FAQs about best HRA vendors

What is an HRA? 

A health reimbursement arrangement (HRA) is an employer-funded plan that employees can use to pay for their health insurance. Employees have access to a tax-free monthly or annual allowance for making eligible medical expenses and health insurance premium purchases. 

There are different types of HRA, including: 

• Group coverage HRA: Also known as an integrated HRA, employers offer this in combination with a traditional employer-sponsored group health plan. It reimburses employees for eligible HRA expenses, such as out-of-pocket medical costs that aren’t fully covered by the group health insurance. ‍
• Qualified small employer HRA: A QSEHRA is aimed at small employers with fewer than 50 full-time equivalent employees.  ‍
• Individual coverage HRA: An ICHRA is an alternative to traditional group health insurance. It reimburses employees for the cost of individual health insurance coverage or other qualified medical expenses. ‍
• Excepted benefit HRA: An EBHRA is offered alongside a group health plan to reimburse employees for “excepted benefits” like vision or dental care. 

How do HRAs work?

Typically, the reimbursement process works as follows: 

• Employers set the HRA allowance. Depending on the type of HRA, this is determined by IRS contribution limits. For example, the QSEHRA contribution limit for 2025 is $6,350 for individuals and $12,850 for families, while the EBHRA contribution limit for 2025 is $2,200. 
• Employees make eligible health-related purchases. Purchases must align with the HRA’s eligibility criteria.
• Employees submit proof of purchase, such as invoices or receipts for their eligible expenses. 
• Employers review the receipts to check they match the purchase eligibility criteria and don’t exceed the employee’s available HRA funds. 
• Employers reimburse the employee. 

Why use HRA software to administer your benefits?

The above process can eat into your resources if you try to do everything manually. HRA software streamlines your workflows to: 

Save time and money 

HRA administration software reduces pressure on your HR team. It automates routine administrative tasks, such as employee eligibility verification and reimbursement processing. The result? More time for your HR team to focus on other important tasks like talent acquisition and retention strategies. 

HRA software also reduces human errors in reimbursement calculations and ensures compliance with IRS regulations, so you don’t have to worry about costly audits or penalties.

Improve employee experience 

The right HRA platform makes it easier for employees to access their allowances and submit claims. Software with built-in self-service capabilities allow employees to use online portals or mobile apps to view their personal details. Their satisfaction levels rise as they gain more control over their benefits and actually understand what’s available to them. 

Reimburse your employees quicker 

With HRA software, employers can process and pay reimbursements faster so employees aren’t out of pocket for long. Additionally, employees can submit their claims electronically, eliminating the need for paper-based processes. Some platforms even automatically file the reimbursement request at the point of purchase, eliminating the burden on employees entirely. 

What is an HRA vendor?

An HRA vendor is a company that offers software, services, or both to help employers administer their HRA plans. Some vendors specialize in specific types of HRA, like ICHRAs or QSEHRAs, while others offer a comprehensive solution for all types of health reimbursement arrangements. 

How do you choose the best HRA vendor?

With so much choice in the marketplace, it’s a challenge to whittle down the sea of options and find the best fit for your organization and your people. Here’s what to focus on as you begin your vendor selection process: 

Vendor reputation 

Understanding how others have experienced a particular vendor can shape your decision-making. Read reviews from third-party sites like G2 or Capterra, along with testimonials and case studies, to gauge how well they have served other companies, especially those in your industry. 

Pricing 

Pricing shouldn’t be the only consideration—cheap isn’t always best, after all. But every company has a budget, so it’s essential to understand the cost of various vendors, including any hidden fees, setup charges, or additional costs for support and integrations. Opt for a vendor with transparent pricing and flexible packages to suit your company size and needs.

Further reading: Check out our Benefits Budget Guide to optimize (and reduce) your budget. 

Plan flexibility 

Whether the vendor offers a specific HRA type or a range, they should allow for customization to match your organization’s unique requirements. Ensure the software is flexible enough to accommodate your current and future needs as your company grows or changes its insurance plans. 

Customer support 

A reliable HRA vendor is available when you need them, whether to iron out any hiccups during setup, support you during open enrollment, or make any changes mid-year. Ensure your vendor of choice offers multiple support channels, including phone, email, and live chat, and has a reputation for quick and effective problem resolution. 

Integrations with existing benefits systems 

Your HRA software should integrate seamlessly with the rest of your HR tech stack, including your current payroll, HRIS, and additional benefits systems. When your systems all sync up correctly, vital employee data will flow smoothly from one platform to another, reducing duplication and errors. Check if your HRA vendor offers integrations with your specific platforms or can provide an open API to connect with custom-built systems. 

User-friendly interface

Neither your in-house teams nor your employees should have to carve out time to learn a new benefits platform. Your product should offer a user-friendly interface that's easy for your HRA administrators to set up and intuitive for employees to submit their claims and reimbursements. Mobile compatibility is an added advantage for on-the-go access.

Compliance with IRS regulations 

Compliance is non-negotiable when it comes to HRAs. Your vendor’s platform must keep up with the latest IRS regulations and provide tools or notifications to help you stay compliant. 

Security features 

Given the sensitive nature of health and financial data, a robust security framework is also essential. Look for vendors that offer encryption, secure servers, and compliance with data protection regulations like HIPAA to safeguard employee information.

Choose Benepass as your HRA vendor

Benepass scores higher with the G2 community than the other HRA vendors on this list. But more than that, we also acknowledge that HRAs are just one way to support your employees. 

Our platform offers a wide range of pre and post-tax benefits, including: 

• Health Savings Account 
• Flexible Spending Account
• Lifestyle Spending Account (with pillars for health and wellness) 
• Wellness benefits 

Learn more about how to support your employees with a holistic range of benefits by booking a free demo today, or contact sales@getbenepass.com to connect with one of our specialists.