{"id":2447,"date":"2013-10-07T11:57:59","date_gmt":"2013-10-07T15:57:59","guid":{"rendered":"http:\/\/108.166.11.61\/household\/?page_id=2447"},"modified":"2025-10-16T11:02:07","modified_gmt":"2025-10-16T15:02:07","slug":"health-reimbursement-arrangements","status":"publish","type":"page","link":"https:\/\/gtm.com\/household\/health-reimbursement-arrangements\/","title":{"rendered":"Health Reimbursement Arrangement (HRA)"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;off|desktop&#8221; admin_label=&#8221;2025 Marketing Page Header&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;_initial&#8221; background_color=&#8221;rgba(36,36,36,0.48)&#8221; background_image=&#8221;https:\/\/gtm.com\/household\/wp-content\/uploads\/2025\/10\/face-of-smiling-woman.jpg&#8221; background_blend=&#8221;overlay&#8221; custom_padding=&#8221;5%||5%||true|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;_initial&#8221; max_width=&#8221;1200px&#8221; border_radii=&#8221;on|12px|12px|12px|12px&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_heading title=&#8221;@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF90aXRsZSIsInNldHRpbmdzIjp7ImJlZm9yZSI6IiIsImFmdGVyIjoiIn19@&#8221; _builder_version=&#8221;4.27.4&#8243; _dynamic_attributes=&#8221;title&#8221; _module_preset=&#8221;default&#8221; title_font=&#8221;Montserrat|Montserrat_weight|||||||&#8221; title_text_align=&#8221;center&#8221; title_text_color=&#8221;#FFFFFF&#8221; title_font_size=&#8221;50px&#8221; title_line_height=&#8221;1.15em&#8221; title_font_size_tablet=&#8221;40px&#8221; title_font_size_phone=&#8221;28px&#8221; title_font_size_last_edited=&#8221;on|desktop&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_heading][et_pb_text quote_border_color=&#8221;#FFFFFF&#8221; admin_label=&#8221;Sub-title&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;_initial&#8221; text_font=&#8221;Lato|Lato_weight|||||||&#8221; text_text_color=&#8221;#FFFFFF&#8221; text_line_height=&#8221;1.75em&#8221; link_font=&#8221;||||on||||&#8221; link_text_color=&#8221;#FFFFFF&#8221; quote_font=&#8221;Montserrat|Montserrat_weight|||||||&#8221; quote_text_color=&#8221;#FFFFFF&#8221; header_font=&#8221;Montserrat|Montserrat_weight|||||||&#8221; header_text_color=&#8221;#FFFFFF&#8221; header_font_size=&#8221;72px&#8221; header_line_height=&#8221;1.15em&#8221; header_2_font=&#8221;Montserrat|Montserrat_weight|||||||&#8221; header_2_text_color=&#8221;#FFFFFF&#8221; header_2_font_size=&#8221;50px&#8221; header_2_line_height=&#8221;1.2em&#8221; header_3_font=&#8221;Montserrat|Montserrat_weight|||||||&#8221; header_3_text_color=&#8221;#FFFFFF&#8221; header_3_font_size=&#8221;32px&#8221; header_3_line_height=&#8221;1.3em&#8221; header_4_font=&#8221;Montserrat|Montserrat_weight||||on|||&#8221; header_4_text_color=&#8221;#FFFFFF&#8221; header_4_font_size=&#8221;24px&#8221; header_4_line_height=&#8221;1.4em&#8221; header_5_font=&#8221;Montserrat|Montserrat_weight|||||||&#8221; header_5_text_color=&#8221;#FFFFFF&#8221; header_5_font_size=&#8221;18px&#8221; header_5_line_height=&#8221;1.4em&#8221; header_6_font=&#8221;Montserrat|Montserrat_weight|||||||&#8221; header_6_text_color=&#8221;#FFFFFF&#8221; header_6_line_height=&#8221;1.5em&#8221; text_orientation=&#8221;center&#8221; custom_margin=&#8221;||||false|false&#8221; text_font_size_tablet=&#8221;15px&#8221; text_font_size_phone=&#8221;14px&#8221; text_font_size_last_edited=&#8221;on|phone&#8221; header_font_size_tablet=&#8221;40px&#8221; header_font_size_phone=&#8221;24px&#8221; header_font_size_last_edited=&#8221;on|desktop&#8221; header_2_font_size_tablet=&#8221;28px&#8221; header_2_font_size_phone=&#8221;20px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; header_3_font_size_tablet=&#8221;22px&#8221; header_3_font_size_phone=&#8221;17px&#8221; header_3_font_size_last_edited=&#8221;on|phone&#8221; header_4_font_size_tablet=&#8221;18px&#8221; header_4_font_size_phone=&#8221;15px&#8221; header_4_font_size_last_edited=&#8221;on|tablet&#8221; header_5_font_size_tablet=&#8221;15px&#8221; header_5_font_size_phone=&#8221;14px&#8221; header_5_font_size_last_edited=&#8221;on|desktop&#8221; header_6_font_size_tablet=&#8221;13px&#8221; header_6_font_size_phone=&#8221;13px&#8221; header_6_font_size_last_edited=&#8221;on|desktop&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h4>Tax Savings Health Plan<\/h4>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;_initial&#8221; custom_padding=&#8221;10px||10px||true|false&#8221; custom_css_free_form=&#8221;.table-container {||  overflow-x: auto;||  -webkit-overflow-scrolling: touch;||}&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row column_structure=&#8221;3_4,1_4&#8243; admin_label=&#8221;Details Area&#8221; _builder_version=&#8221;4.21.0&#8243; _module_preset=&#8221;_initial&#8221; max_width=&#8221;1400px&#8221; custom_padding=&#8221;25px|||||&#8221; border_radii=&#8221;on|12px|12px|12px|12px&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;3_4&#8243; _builder_version=&#8221;4.20.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_testimonial font_icon=&#8221;&#xf481;||fa||900&#8243; admin_label=&#8221;product Benefit at a Glance&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;||34px|||&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><strong>Benefit at a Glance<\/strong><\/p>\n<p>A traditional HRA allows you to reimburse employees for eligible healthcare expenses tax-free. You control the contribution amount and can tailor the plan to fit your household budget.<\/p>\n<p>[\/et_pb_testimonial][et_pb_text ul_item_indent=&#8221;40px&#8221; admin_label=&#8221;page Text&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;_initial&#8221; header_2_text_color=&#8221;#212492&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; custom_padding=&#8221;||0px|||&#8221; z_index_tablet=&#8221;500&#8243; header_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_2_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_2_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_2_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_3_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_3_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_3_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_4_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_4_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_4_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_5_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_5_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_5_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_6_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_6_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_6_text_shadow_blur_strength_tablet=&#8221;1px&#8221; box_shadow_horizontal_tablet=&#8221;0px&#8221; box_shadow_vertical_tablet=&#8221;0px&#8221; box_shadow_blur_tablet=&#8221;40px&#8221; box_shadow_spread_tablet=&#8221;0px&#8221; use_border_color=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>A Health Reimbursement Arrangement (HRA) may be an appealing option for household employers who wish to provide tax-free health benefits to their employees.<\/p>\n<h2>A Creative Way to Contribute to Healthcare Expenses<\/h2>\n<p>HRAs have been the best option for healthcare benefits in the household employment industry for many years \u2013 whether you use an HRA as a standalone option or combine it with a qualified group health plan.<\/p>\n<p>They are flexible, convenient, and cost-effective, offering such benefits as:<\/p>\n<ul>\n<li><strong>Freedom of<\/strong>\u00a0<strong>choice<\/strong>\u00a0to help control healthcare costs for your employee<\/li>\n<li><strong>Control<\/strong>\u00a0in making your employee accountable for the management of their medical treatments<\/li>\n<li><strong>Convenient roll-over feature<\/strong>\u00a0so you don\u2019t lose your contributions at the end of the year or when an employee leaves<\/li>\n<li><strong>Flexible budget options<\/strong>\u00a0with contribution amounts that you determine<\/li>\n<li><strong>Versatility:\u00a0<\/strong>An HRA can be used alongside other savings accounts and healthcare options, and can be used to fund insurance premiums and deductibles<\/li>\n<li><strong>Popular<\/strong>\u00a0<strong>with employees:\u00a0<\/strong>HRAs use employer contributions, not employee salary deductions<\/li>\n<\/ul>\n<p>Through our affiliate\u00a0<a href=\"https:\/\/gtminsurance.com\/\" target=\"_blank\" rel=\"noopener\">GTM Insurance Agency<\/a>, setting up an HRA is straightforward. We\u2019ll support you throughout the entire process, from defining the amount you want to contribute to providing your employees with information about reimbursable medical expenses and submitting claims, to tracking the status of your account.<\/p>\n<p>Looking for some other health benefit ideas?\u00a0<span style=\"box-sizing: border-box; margin: 0px; padding: 0px;\"><a href=\"https:\/\/gtm.com\/household\/learning-library\/health-benefit-options\/\" target=\"_blank\" rel=\"noopener\">Explore these options<\/a>\u00a0or\u00a0<a href=\"https:\/\/gtm.com\/household\/wp-content\/uploads\/Employee-Benefits-Overview.pdf\" target=\"_blank\" rel=\"noopener\">download our Employee Benefits Overview (PDF)<\/a> for more information<\/span>.<\/p>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8221;Table header and prompt&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;_initial&#8221; header_2_text_color=&#8221;#212492&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; custom_padding=&#8221;||0px|||&#8221; z_index_tablet=&#8221;500&#8243; text_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; text_text_shadow_vertical_length_tablet=&#8221;0px&#8221; text_text_shadow_blur_strength_tablet=&#8221;1px&#8221; link_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; link_text_shadow_vertical_length_tablet=&#8221;0px&#8221; link_text_shadow_blur_strength_tablet=&#8221;1px&#8221; ul_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; ul_text_shadow_vertical_length_tablet=&#8221;0px&#8221; ul_text_shadow_blur_strength_tablet=&#8221;1px&#8221; ol_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; ol_text_shadow_vertical_length_tablet=&#8221;0px&#8221; ol_text_shadow_blur_strength_tablet=&#8221;1px&#8221; quote_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; quote_text_shadow_vertical_length_tablet=&#8221;0px&#8221; quote_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_2_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_2_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_2_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_3_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_3_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_3_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_4_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_4_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_4_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_5_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_5_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_5_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_6_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_6_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_6_text_shadow_blur_strength_tablet=&#8221;1px&#8221; box_shadow_horizontal_tablet=&#8221;0px&#8221; box_shadow_vertical_tablet=&#8221;0px&#8221; box_shadow_blur_tablet=&#8221;40px&#8221; box_shadow_spread_tablet=&#8221;0px&#8221; use_border_color=&#8221;off&#8221; global_module=&#8221;43399&#8243; saved_tabs=&#8221;all&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Health Insurance &amp; Benefits Options Comparison<\/h2>\n<p>The information below will help you compare the various plans and select one that will best meet the needs of your nanny. These are contribution rates for 2025.<\/p>\n<p>[\/et_pb_text][et_pb_text disabled_on=&#8221;on|on|off&#8221; admin_label=&#8221;benefits comparison table &#8211; Desktop&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;_initial&#8221; text_text_color=&#8221;#606060&#8243; header_2_text_color=&#8221;#212492&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; custom_padding=&#8221;||0px|||&#8221; z_index_tablet=&#8221;500&#8243; custom_css_free_form=&#8221;.table-container td {||  line-height: 1.2em;||}&#8221; text_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; text_text_shadow_vertical_length_tablet=&#8221;0px&#8221; text_text_shadow_blur_strength_tablet=&#8221;1px&#8221; link_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; link_text_shadow_vertical_length_tablet=&#8221;0px&#8221; link_text_shadow_blur_strength_tablet=&#8221;1px&#8221; ul_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; ul_text_shadow_vertical_length_tablet=&#8221;0px&#8221; ul_text_shadow_blur_strength_tablet=&#8221;1px&#8221; ol_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; ol_text_shadow_vertical_length_tablet=&#8221;0px&#8221; ol_text_shadow_blur_strength_tablet=&#8221;1px&#8221; quote_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; quote_text_shadow_vertical_length_tablet=&#8221;0px&#8221; quote_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_2_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_2_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_2_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_3_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_3_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_3_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_4_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_4_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_4_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_5_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_5_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_5_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_6_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_6_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_6_text_shadow_blur_strength_tablet=&#8221;1px&#8221; box_shadow_horizontal_tablet=&#8221;0px&#8221; box_shadow_vertical_tablet=&#8221;0px&#8221; box_shadow_blur_tablet=&#8221;40px&#8221; box_shadow_spread_tablet=&#8221;0px&#8221; use_border_color=&#8221;off&#8221; global_module=&#8221;43400&#8243; saved_tabs=&#8221;all&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<div class=\"table-container\">\n<table style=\"width: 95%; border-collapse: collapse;\">\n<tbody>\n<tr>\n<td style=\"width: 30%; border: 1px solid #ccc; padding: 8px;\">\u00a0<\/td>\n<td style=\"text-align: center; width: 14%; border: 1px solid #ccc; padding: 8px;\"><strong>HRA<\/strong><\/td>\n<td style=\"text-align: center; width: 14%; border: 1px solid #ccc; padding: 8px;\"><strong>QSEHRA<\/strong><\/td>\n<td style=\"text-align: center; width: 14%; border: 1px solid #ccc; padding: 8px;\"><strong>ICHRA<\/strong><\/td>\n<td style=\"text-align: center; width: 14%; border: 1px solid #ccc; padding: 8px;\"><strong>FSA<\/strong><\/td>\n<td style=\"text-align: center; width: 14%; border: 1px solid #ccc; padding: 8px;\"><strong>HSA<\/strong><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 30%; border: 1px solid #ccc; padding: 8px;\">Employer funded<\/td>\n<td style=\"text-align: center; border: 1px solid #ccc; padding: 8px;\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/gtm.com\/household\/wp-content\/uploads\/green-check-15.png\" width=\"15\" height=\"15\" \/><\/td>\n<td style=\"text-align: center; border: 1px solid #ccc; padding: 8px;\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/gtm.com\/household\/wp-content\/uploads\/green-check-15.png\" width=\"15\" height=\"15\" \/><\/td>\n<td style=\"text-align: center; border: 1px solid #ccc; padding: 8px;\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/gtm.com\/household\/wp-content\/uploads\/green-check-15.png\" width=\"15\" height=\"15\" \/><\/td>\n<td style=\"text-align: center; border: 1px solid #ccc; padding: 8px;\">Optional<\/td>\n<td style=\"text-align: center; border: 1px solid #ccc; padding: 8px;\">Optional<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 30%; border: 1px solid #ccc; padding: 8px;\">Employer tax savings<\/td>\n<td style=\"text-align: center; border: 1px solid #ccc; padding: 8px;\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/gtm.com\/household\/wp-content\/uploads\/green-check-15.png\" width=\"15\" height=\"15\" \/><\/td>\n<td style=\"text-align: center; border: 1px solid #ccc; padding: 8px;\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/gtm.com\/household\/wp-content\/uploads\/green-check-15.png\" width=\"15\" height=\"15\" \/><\/td>\n<td style=\"text-align: center; border: 1px solid #ccc; padding: 8px;\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/gtm.com\/household\/wp-content\/uploads\/green-check-15.png\" width=\"15\" height=\"15\" \/><\/td>\n<td style=\"text-align: center; border: 1px solid #ccc; padding: 8px;\">If funded<\/td>\n<td style=\"text-align: center; border: 1px solid #ccc; padding: 8px;\">If funded<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 30%; border: 1px solid #ccc; padding: 8px;\">Employee funded<\/td>\n<td style=\"text-align: center; border: 1px solid #ccc; padding: 8px;\">\u00a0<\/td>\n<td style=\"text-align: center; border: 1px solid #ccc; padding: 8px;\">\u00a0<\/td>\n<td style=\"text-align: center; border: 1px solid #ccc; padding: 8px;\">\u00a0<\/td>\n<td style=\"text-align: center; border: 1px solid #ccc; padding: 8px;\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/gtm.com\/household\/wp-content\/uploads\/green-check-15.png\" width=\"15\" height=\"15\" \/><\/td>\n<td style=\"text-align: center; border: 1px solid #ccc; padding: 8px;\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/gtm.com\/household\/wp-content\/uploads\/green-check-15.png\" width=\"15\" height=\"15\" \/><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 30%; border: 1px solid #ccc; padding: 8px;\">Employee tax savings<\/td>\n<td style=\"text-align: center; border: 1px solid #ccc; padding: 8px;\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/gtm.com\/household\/wp-content\/uploads\/green-check-15.png\" width=\"15\" height=\"15\" \/><\/td>\n<td style=\"text-align: center; border: 1px solid #ccc; padding: 8px;\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/gtm.com\/household\/wp-content\/uploads\/green-check-15.png\" width=\"15\" height=\"15\" \/><\/td>\n<td style=\"text-align: center; border: 1px solid #ccc; padding: 8px;\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/gtm.com\/household\/wp-content\/uploads\/green-check-15.png\" width=\"15\" height=\"15\" \/><\/td>\n<td style=\"text-align: center; border: 1px solid #ccc; padding: 8px;\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/gtm.com\/household\/wp-content\/uploads\/green-check-15.png\" width=\"15\" height=\"15\" \/><\/td>\n<td style=\"text-align: center; border: 1px solid #ccc; padding: 8px;\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/devhh.gtm.com\/web-content\/uploads\/green-check-15.png\" width=\"15\" height=\"15\" \/><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 30%; border: 1px solid #ccc; padding: 8px;\">Covers qualified out-of-pocket expenses<\/td>\n<td style=\"text-align: center; border: 1px solid #ccc; padding: 8px;\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/gtm.com\/household\/wp-content\/uploads\/green-check-15.png\" width=\"15\" height=\"15\" \/><\/td>\n<td style=\"text-align: center; border: 1px solid #ccc; padding: 8px;\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/gtm.com\/household\/wp-content\/uploads\/green-check-15.png\" width=\"15\" height=\"15\" \/><\/td>\n<td style=\"text-align: center; border: 1px solid #ccc; padding: 8px;\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/gtm.com\/household\/wp-content\/uploads\/green-check-15.png\" width=\"15\" height=\"15\" \/><\/td>\n<td style=\"text-align: center; border: 1px solid #ccc; padding: 8px;\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/gtm.com\/household\/wp-content\/uploads\/green-check-15.png\" width=\"15\" height=\"15\" \/><\/td>\n<td style=\"text-align: center; border: 1px solid #ccc; padding: 8px;\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/gtm.com\/household\/wp-content\/uploads\/green-check-15.png\" width=\"15\" height=\"15\" \/><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 30%; border: 1px solid #ccc; padding: 8px;\">Covers insurance premiums<\/td>\n<td style=\"text-align: center; border: 1px solid #ccc; padding: 8px;\">Some plans<\/td>\n<td style=\"text-align: center; border: 1px solid #ccc; padding: 8px;\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/gtm.com\/household\/wp-content\/uploads\/green-check-15.png\" width=\"15\" height=\"15\" \/><\/td>\n<td style=\"text-align: center; border: 1px solid #ccc; padding: 8px;\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/gtm.com\/household\/wp-content\/uploads\/green-check-15.png\" width=\"15\" height=\"15\" \/><\/td>\n<td style=\"text-align: center; border: 1px solid #ccc; padding: 8px;\">\u00a0<\/td>\n<td style=\"text-align: center; border: 1px solid #ccc; padding: 8px;\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 30%; border: 1px solid #ccc; padding: 8px;\">Used to purchase health insurance<\/td>\n<td style=\"text-align: center; border: 1px solid #ccc; padding: 8px;\">\u00a0<\/td>\n<td style=\"text-align: center; border: 1px solid #ccc; padding: 8px;\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/gtm.com\/household\/wp-content\/uploads\/green-check-15.png\" width=\"15\" height=\"15\" \/><\/td>\n<td style=\"text-align: center; border: 1px solid #ccc; padding: 8px;\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/gtm.com\/household\/wp-content\/uploads\/green-check-15.png\" width=\"15\" height=\"15\" \/><\/td>\n<td style=\"text-align: center; border: 1px solid #ccc; padding: 8px;\">\u00a0<\/td>\n<td style=\"text-align: center; border: 1px solid #ccc; padding: 8px;\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 30%; border: 1px solid #ccc; padding: 8px;\">Contribution limits<\/td>\n<td style=\"text-align: center; border: 1px solid #ccc; padding: 8px;\">No limit<\/td>\n<td style=\"text-align: center; border: 1px solid #ccc; padding: 8px;\">$6,350 single<br \/>$12,800 family<\/td>\n<td style=\"text-align: center; border: 1px solid #ccc; padding: 8px;\">No limit<\/td>\n<td style=\"text-align: center; border: 1px solid #ccc; padding: 8px;\">$3,300<\/td>\n<td style=\"text-align: center; border: 1px solid #ccc; padding: 8px;\">$4,300 single<br \/>$8,550 family<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 30%; border: 1px solid #ccc; padding: 8px;\">Pairings<\/td>\n<td style=\"text-align: center; border: 1px solid #ccc; padding: 8px;\">Group plan<\/td>\n<td style=\"text-align: center; border: 1px solid #ccc; padding: 8px;\">Individual plans<\/td>\n<td style=\"text-align: center; border: 1px solid #ccc; padding: 8px;\">Individual plans<\/td>\n<td style=\"text-align: center; border: 1px solid #ccc; padding: 8px;\">N\/A<\/td>\n<td style=\"text-align: center; border: 1px solid #ccc; padding: 8px;\">High-deductible plan<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 30%; border: 1px solid #ccc; padding: 8px;\">Coverage restrictions<\/td>\n<td style=\"text-align: center; border: 1px solid #ccc; padding: 8px;\">Must cover at least two employees<\/td>\n<td style=\"text-align: center; border: 1px solid #ccc; padding: 8px;\">None<\/td>\n<td style=\"text-align: center; border: 1px solid #ccc; padding: 8px;\">None<\/td>\n<td style=\"text-align: center; border: 1px solid #ccc; padding: 8px;\">None<\/td>\n<td style=\"text-align: center; border: 1px solid #ccc; padding: 8px;\">None<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p>[\/et_pb_text][et_pb_text disabled_on=&#8221;off|off|on&#8221; admin_label=&#8221;HRA features  &#8211; mobile&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;_initial&#8221; text_line_height=&#8221;0.8em&#8221; header_2_text_color=&#8221;#666666&#8243; custom_padding=&#8221;20px|20px|20px|20px|true|true&#8221; border_radii=&#8221;on|5px|5px|5px|5px&#8221; box_shadow_style=&#8221;preset1&#8243; global_module=&#8221;43401&#8243; saved_tabs=&#8221;all&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3>HRA<\/h3>\n<p><span style=\"color: green;\">\u2714<\/span> Employer funded<\/p>\n<p><span style=\"color: green;\">\u2714<\/span> Employer tax savings<\/p>\n<p><span style=\"color: red;\">\u2718<\/span> Employee funded<\/p>\n<p><span style=\"color: red;\">\u2718<\/span> Employee tax savings<\/p>\n<p><span style=\"color: green;\">\u2714<\/span> Covers out-of-pocket expenses<\/p>\n<p><span style=\"color: green;\">\u2714<\/span> Covers insurance premiums<\/p>\n<p><span style=\"color: red;\">\u2718<\/span> Used to purchase health insurance<\/p>\n<p><strong>Contribution limit:<\/strong> No limit<\/p>\n<p><strong>Pairing:<\/strong> Group plan<\/p>\n<p><strong>Coverage restrictions:<\/strong> Must cover at least two employees<\/p>\n<p>[\/et_pb_text][et_pb_text disabled_on=&#8221;off|off|on&#8221; admin_label=&#8221;QSEHRA features  &#8211; mobile&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;_initial&#8221; text_line_height=&#8221;0.8em&#8221; header_2_text_color=&#8221;#666666&#8243; custom_padding=&#8221;20px|20px|20px|20px|true|true&#8221; border_radii=&#8221;on|5px|5px|5px|5px&#8221; box_shadow_style=&#8221;preset1&#8243; global_module=&#8221;43402&#8243; saved_tabs=&#8221;all&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3>QSEHRA<\/h3>\n<p><span style=\"color: green;\">\u2714<\/span> Employer funded<\/p>\n<p><span style=\"color: green;\">\u2714<\/span> Employer tax savings<\/p>\n<p><span style=\"color: red;\">\u2718<\/span> Employee funded<\/p>\n<p><span style=\"color: red;\">\u2718<\/span> Employee tax savings<\/p>\n<p><span style=\"color: green;\">\u2714<\/span> Covers out-of-pocket expenses<\/p>\n<p><span style=\"color: green;\">\u2714<\/span> Covers insurance premiums<\/p>\n<p><span style=\"color: green;\">\u2714<\/span> Used to purchase health insurance<\/p>\n<p><strong>Contribution limit:<\/strong> $6,350 single \/ $12,800 family<\/p>\n<p><strong>Pairing:<\/strong> Individual plans<\/p>\n<p><strong>Coverage restrictions:<\/strong> None<\/p>\n<p>[\/et_pb_text][et_pb_text disabled_on=&#8221;off|off|on&#8221; admin_label=&#8221;ICHRA features  &#8211; mobile&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;_initial&#8221; text_line_height=&#8221;0.8em&#8221; header_2_text_color=&#8221;#666666&#8243; custom_padding=&#8221;20px|20px|20px|20px|true|true&#8221; border_radii=&#8221;on|5px|5px|5px|5px&#8221; box_shadow_style=&#8221;preset1&#8243; global_module=&#8221;43403&#8243; saved_tabs=&#8221;all&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3>ICHRA<\/h3>\n<p><span style=\"color: green;\">\u2714<\/span> Employer funded<\/p>\n<p><span style=\"color: green;\">\u2714<\/span> Employer tax savings<\/p>\n<p><span style=\"color: red;\">\u2718<\/span> Employee funded<\/p>\n<p><span style=\"color: red;\">\u2718<\/span> Employee tax savings<\/p>\n<p><span style=\"color: green;\">\u2714<\/span> Covers out-of-pocket expenses<\/p>\n<p><span style=\"color: green;\">\u2714<\/span> Covers insurance premiums<\/p>\n<p><span style=\"color: green;\">\u2714<\/span> Used to purchase health insurance<\/p>\n<p><strong>Contribution limit:<\/strong> No limit<\/p>\n<p><strong>Pairing:<\/strong> N\/A<\/p>\n<p><strong>Coverage restrictions:<\/strong> None<\/p>\n<p>[\/et_pb_text][et_pb_text disabled_on=&#8221;off|off|on&#8221; admin_label=&#8221;FSA features  &#8211; mobile&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;_initial&#8221; text_line_height=&#8221;0.8em&#8221; header_2_text_color=&#8221;#666666&#8243; custom_padding=&#8221;20px|20px|20px|20px|true|true&#8221; border_radii=&#8221;on|5px|5px|5px|5px&#8221; box_shadow_style=&#8221;preset1&#8243; global_module=&#8221;43404&#8243; saved_tabs=&#8221;all&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3>FSA<\/h3>\n<p><span style=\"color: green;\">\u2714<\/span> Employer funded<\/p>\n<p><span style=\"color: green;\">\u2714<\/span> Employer tax savings<\/p>\n<p><span style=\"color: green;\">\u2714<\/span> Employee funded<\/p>\n<p><span style=\"color: green;\">\u2714<\/span> Employee tax savings<\/p>\n<p><span style=\"color: green;\">\u2714<\/span> Covers out-of-pocket expenses<\/p>\n<p><span style=\"color: red;\">\u2718<\/span> Covers insurance premiums<\/p>\n<p><span style=\"color: red;\">\u2718<\/span> Used to purchase health insurance<\/p>\n<p><strong>Contribution limit:<\/strong> $3,300<\/p>\n<p><strong>Pairing:<\/strong> N\/A<\/p>\n<p><strong>Coverage restrictions:<\/strong> None<\/p>\n<p>[\/et_pb_text][et_pb_text disabled_on=&#8221;off|off|on&#8221; admin_label=&#8221;HSA features  &#8211; mobile&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;_initial&#8221; text_line_height=&#8221;0.8em&#8221; header_2_text_color=&#8221;#666666&#8243; custom_padding=&#8221;20px|20px|20px|20px|true|true&#8221; border_radii=&#8221;on|5px|5px|5px|5px&#8221; box_shadow_style=&#8221;preset1&#8243; global_module=&#8221;43405&#8243; saved_tabs=&#8221;all&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3>HSA<\/h3>\n<p><span style=\"color: green;\">\u2714<\/span> Employer funded<\/p>\n<p><span style=\"color: green;\">\u2714<\/span> Employer tax savings<\/p>\n<p><span style=\"color: green;\">\u2714<\/span> Employee funded<\/p>\n<p><span style=\"color: green;\">\u2714<\/span> Employee tax savings<\/p>\n<p><span style=\"color: green;\">\u2714<\/span> Covers out-of-pocket expenses<\/p>\n<p><span style=\"color: green;\">\u2714<\/span> Covers insurance premiums<\/p>\n<p><span style=\"color: red;\">\u2718<\/span> Used to purchase health insurance<\/p>\n<p><strong>Contribution limit:<\/strong> $4,300 single \/ $8,550 family<\/p>\n<p><strong>Pairing:<\/strong> High-deductible plan<\/p>\n<p><strong>Coverage restrictions:<\/strong> None<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_4&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/gtm.com\/household\/wp-content\/uploads\/2025\/10\/Employee-benefits-small.png&#8221; alt=&#8221;employee benefits&#8221; title_text=&#8221;Employee-benefits-small&#8221; disabled_on=&#8221;on|off|off&#8221; admin_label=&#8221;Illustration&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;_initial&#8221; global_module=&#8221;43376&#8243; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_heading title=&#8221;More to Explore&#8221; admin_label=&#8221;More to Explore&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; title_level=&#8221;h3&#8243; border_width_bottom=&#8221;2px&#8221; border_color_bottom=&#8221;#0C71C3&#8243; global_module=&#8221;43375&#8243; global_colors_info=&#8221;{}&#8221;][\/et_pb_heading][et_pb_text disabled_on=&#8221;off|off|off&#8221; admin_label=&#8221;Employee Benefits links&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;_initial&#8221; header_2_text_color=&#8221;#666666&#8243; min_height=&#8221;59.2px&#8221; custom_margin=&#8221;||11px|||&#8221; custom_padding=&#8221;||17px|||&#8221; global_module=&#8221;43377&#8243; saved_tabs=&#8221;all&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h4><strong>Employee Benefits<\/strong><\/h4>\n<ul>\n<li><a href=\"https:\/\/gtm.com\/household\/health-insurance\/\">Health Insurance<\/a><\/li>\n<li><a title=\"Dental and Vision Benefits\" href=\"https:\/\/gtm.com\/household\/dental-vision\/\">Dental &amp; Vision Benefits<\/a><\/li>\n<li><a href=\"https:\/\/gtm.com\/household\/tax-savings-health-plans\/\">Tax Savings Health Plans<\/a><\/li>\n<li><a href=\"https:\/\/gtm.com\/household\/retirement-plan\/\">Retirement Plan for Nannies<\/a><\/li>\n<\/ul>\n<p>[\/et_pb_text][et_pb_text disabled_on=&#8221;off|off|off&#8221; admin_label=&#8221;Insurance links&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;_initial&#8221; header_2_text_color=&#8221;#666666&#8243; min_height=&#8221;59.2px&#8221; custom_margin=&#8221;||11px|||&#8221; custom_padding=&#8221;||17px|||&#8221; global_module=&#8221;43378&#8243; saved_tabs=&#8221;all&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h4><strong>Insurance<\/strong><\/h4>\n<ul>\n<li><a href=\"https:\/\/gtm.com\/household\/workers-compensation\/\">Workers\u2019 Compensation Insurance<\/a><\/li>\n<li><a href=\"https:\/\/gtm.com\/household\/workplace-insurance\/\">Other Workplace Insurance<\/a><\/li>\n<\/ul>\n<p>[\/et_pb_text][et_pb_text disabled_on=&#8221;off|off|off&#8221; admin_label=&#8221;HR Services links&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;_initial&#8221; header_2_text_color=&#8221;#666666&#8243; min_height=&#8221;59.2px&#8221; custom_margin=&#8221;||11px|||&#8221; custom_padding=&#8221;||17px|||&#8221; global_module=&#8221;43379&#8243; saved_tabs=&#8221;all&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h4><strong>HR Services<\/strong><\/h4>\n<ul>\n<li><a href=\"https:\/\/gtm.com\/household\/easypay-diamond\/\">EasyPay Diamond<\/a><\/li>\n<li><a href=\"https:\/\/gtm.com\/household\/easypay-hr-platinum\/\">EasyPay HR Platinum<\/a><\/li>\n<li><a href=\"https:\/\/gtm.com\/household\/household-hr-services\/\">Household HR Services<\/a><\/li>\n<li><a href=\"https:\/\/gtm.com\/household\/household-employment-consulting\/\">Employment Consulting<\/a><\/li>\n<li><a href=\"https:\/\/gtm.com\/household\/timekeeping-household-employers\/\">Timekeeping Solution for Household Employers<\/a><\/li>\n<\/ul>\n<p>[\/et_pb_text][et_pb_blurb title=&#8221;Get the Free Guide: Employee Benefits Overview&#8221; url=&#8221;https:\/\/gtm.com\/household\/wp-content\/uploads\/Employee-Benefits-Overview.pdf&#8221; url_new_window=&#8221;on&#8221; image=&#8221;https:\/\/gtm.com\/household\/wp-content\/uploads\/2025\/09\/Employee-Benefits-Overview-icon.jpg&#8221; admin_label=&#8221;Employee Handbook Download 2025&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; body_font_size=&#8221;16px&#8221; body_line_height=&#8221;1.1em&#8221; max_width=&#8221;74%&#8221; link_option_url=&#8221;https:\/\/gtm.com\/household\/wp-content\/uploads\/Employee-Benefits-Overview.pdf&#8221; link_option_url_new_window=&#8221;on&#8221; global_module=&#8221;43314&#8243; saved_tabs=&#8221;all&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><a href=\"https:\/\/gtm.com\/household\/wp-content\/uploads\/Employee-Benefits-Overview.pdf\">Learn about the options for health, retirement and insurance benefits<\/a><\/p>\n<p>[\/et_pb_blurb][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;off|desktop&#8221; admin_label=&#8221;2025 Blue Call to Action &#8211; Emp Benefits&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;_initial&#8221; background_color=&#8221;#438dd8&#8243; custom_padding=&#8221;10px||10px||true|false&#8221; background_last_edited=&#8221;on|desktop&#8221; background_color_gradient_direction_tablet=&#8221;180deg&#8221; global_module=&#8221;43247&#8243; saved_tabs=&#8221;all&#8221; locked=&#8221;off&#8221; collapsed=&#8221;on&#8221; global_colors_info=&#8221;{%22gcid-36fd78a7-34bc-404d-873c-dafa34efaae5%22:%91%22colorStart%22%93,%22#1d3557%22:%91%22background_color_gradient_stops%22%93}&#8221;][et_pb_row _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||0px|||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_heading title=&#8221;Questions? Get Help with Employee Benefits&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; title_level=&#8221;h3&#8243; title_font=&#8221;Montserrat|Montserrat_weight|||||||&#8221; title_text_align=&#8221;center&#8221; title_text_color=&#8221;#FFFFFF&#8221; title_font_size=&#8221;32px&#8221; title_line_height=&#8221;1.2em&#8221; custom_margin=&#8221;||10px||false|false&#8221; title_font_size_tablet=&#8221;28px&#8221; title_font_size_phone=&#8221;20px&#8221; title_font_size_last_edited=&#8221;on|phone&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_heading][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_3,1_3,1_3&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text quote_border_color=&#8221;#FFFFFF&#8221; 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header_2_font_size_phone=&#8221;20px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; header_3_font_size_tablet=&#8221;22px&#8221; header_3_font_size_phone=&#8221;17px&#8221; header_3_font_size_last_edited=&#8221;on|phone&#8221; header_4_font_size_tablet=&#8221;18px&#8221; header_4_font_size_phone=&#8221;15px&#8221; header_4_font_size_last_edited=&#8221;on|tablet&#8221; header_5_font_size_tablet=&#8221;15px&#8221; header_5_font_size_phone=&#8221;14px&#8221; header_5_font_size_last_edited=&#8221;on|desktop&#8221; header_6_font_size_tablet=&#8221;13px&#8221; header_6_font_size_phone=&#8221;13px&#8221; header_6_font_size_last_edited=&#8221;on|desktop&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>An employee benefits expert can answer questions you have about your requirements.<\/p>\n<p>Call or chat with us during business hours, or schedule a free consultation at your convenience.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/gtm.com\/household\/wp-content\/uploads\/2025\/03\/NeedHelp-illustration.png&#8221; title_text=&#8221;NeedHelp-illustration&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;_initial&#8221; border_radii=&#8221;on|6px|6px|6px|6px&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;_initial&#8221; text_font=&#8221;Lato||||||||&#8221; text_text_color=&#8221;#FFFFFF&#8221; text_font_size=&#8221;16px&#8221; header_2_text_color=&#8221;#666666&#8243; header_3_text_color=&#8221;#FFFFFF&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3 style=\"text-align: center;\">Call Toll Free: <span style=\"text-decoration: underline;\"><a href=\"tel:\/\/1800-929-9213\">800-929-9213<\/a><\/span><\/h3>\n<p style=\"text-align: center;\">Hours: Mon-Fri 8:30 am &#8211; 8pm, ET<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; 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_builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Reviews from Real Clients of our Nanny Payroll and Tax Services<\/h2>\n<p>[\/et_pb_text][et_pb_code admin_label=&#8221;yotpo carousel v20250701&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<div class=\"yotpo yotpo-reviews-carousel\"  data-background-color=\"transparent\"  data-mode=\"manual\"  data-type=\"both\"  data-review-ids=\"709453424,657510505,619618330,582446966,619604985,657320009,716190003,608152597,448005358\"  data-show-bottomline=\"1\"  data-autoplay-enabled=\"1\"  data-autoplay-speed=\"3000\"  data-show-navigation=\"1\">\u00a0<\/div>\n<p>[\/et_pb_code][et_pb_button button_url=&#8221;https:\/\/gtm.com\/household\/client-reviews\/&#8221; button_text=&#8221;Read More Reviews&#8221; button_alignment=&#8221;center&#8221; admin_label=&#8221;Read More Reviews button&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;1bffc0fc-42a0-49d1-bd9a-ae3ade2d7206&#8243; 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You control the contribution amount and can tailor the plan to fit your household budget.A Health Reimbursement Arrangement (HRA) may be an appealing option for household employers who wish to provide tax-free health benefits to [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":0,"parent":0,"menu_order":30,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"<img class=\"alignleft size-medium wp-image-2886 img-rounded\" alt=\"health reimbursement arrangements\" src=\"http:\/\/108.166.11.61\/household\/wp-content\/uploads\/prod-drug-prescription-300x199.jpg\" width=\"300\" height=\"199\" \/>Health Reimbursement Arrangements (HRAs) are a creative option for household employers with a range of budgets who want to offer a contribution program for health-related expenses as an employee benefit.\r\n\r\nGTM is offering household employers a revolutionary way to help provide healthcare benefits to your employee.\r\n\r\nHRA's have been\u00a0the best option for\u00a0healthcare benefits in the household employment industry for many years - whether you use an HRA as a standalone option or combine it with a major medical insurance plan.\r\n\r\n<b>HRAs are flexible, convenient, and cost-effective, offering:<\/b>\r\n<ul>\r\n\t<li>Freedom of choice to help control healthcare costs for your employee<\/li>\r\n\t<li>Freedom of control,\u00a0making your employee accountable for the management of their medical treatments<\/li>\r\n\t<li>Convenient roll-over feature so you don't lose your contributions at the end of the year or when an employee leaves<\/li>\r\n\t<li>Flexible budget options - contribution amounts that you determine<\/li>\r\n\t<li>Versatility- an HRA can be used alongside other savings accounts and health options and can be used to fund insurance premiums and deductibles<\/li>\r\n\t<li>Popular with the employee - HRAs use employer contributions,\u00a0not employee salary deductions<\/li>\r\n<\/ul>\r\nHRAs allow employees and employers to take advantage of the lower premiums offered by high-deductible major medical plans and help keep healthcare costs under control.\u00a0 The employee becomes more self-reliant, aware of healthcare issues, and develops better judgment with health-related costs and arrangements.\r\n\r\nThe employer offers a useable, affordable employment benefit to their employee that helps recruit and retain the best employees, but doesn't break the bank.\r\n\r\n[accordion title=\"WHAT'S INVOLVED?\" style=\"default-style\"]\r\n<b>Employer contribution<\/b>\r\n<ul>\r\n\t<li>Define an amount per year you want to contribute for your employee(s)<\/li>\r\n\t<li>Set up a GTM HRA account. Your contribution is automatically drawn into a GTM account for your employee on a pay period basis<\/li>\r\n\t<li>Inform your employee of the contribution amount and how they can use the money<\/li>\r\n\t<li>Check quarterly GTM statements to keep track of the account<\/li>\r\n<\/ul>\r\n\u00a0\r\n\r\n<b>Employee tasks<\/b>\r\n<ul>\r\n\t<li>Read and understand the HRA account plans and what medical expenses are eligible for reimbursement<\/li>\r\n\t<li>Keep a receipt and record of medical expenses for you and your dependents<\/li>\r\n\t<li>Send in claims for reimbursement promptly<\/li>\r\n\t<li>Access the HRA account online to manage expenses<\/li>\r\n<\/ul>\r\n[\/accordion]\r\n\r\n\u00a0\r\n\r\n<strong>If you are interested in the HRA options listed above, please contact us at (888)432-7972.<\/strong>","_et_gb_content_width":"","footnotes":""},"folder":[603,622],"class_list":["post-2447","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the 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