How Clients Can Save More on Health Care

With the escalating cost of health care, employers are exploring different ways to manage those costs in providing health care benefits whether they are self-employed or a business owner with multiple employees.   Instead of cutting costs elsewhere, implementing a BASE® Health Reimbursement Arrangement (HRA) could save business owners thousands a year in tax savings.  BASE® offers a complete line of benefits that offer money saving and compliance solutions for businesses of all sizes.

A Health Reimbursement Arrangement is an IRS-approved, employer-funded, tax-advantaged employer health benefit plan that reimburses employees for their out-of-pocket medical expenses.  By implementing an HRA into a business, it will help cut costs and make health care affordable, while giving the employees more freedom in their personal health care decisions.  An HRA not only saves the employee money, but the employer as well!

BASE® offers 3 types of HRAs to help businesses save money:  Section 105 HRA, Integrated HRA, and QSE HRA.

BASE® Section 105 HRA

  • 1 employee participant
  • On average, $4,700 in tax savings
  • Reduces the financial impact of health care expenses

BASE® Integrated HRA

  • Any number of employees
  • Available for employers with a group health insurance plan looking to reduce the overall costs of insurance coverage
  • Coupled with group health insurance plan, employees pay for medical expenses not covered by the health insurance


  • 2-49 employees
  • Helps employers offer a more attractive benefits package when group health insurance is no longer an option
  • Employees have the ability to secure their own medical insurance and pay for insurance premiums, copays, deductibles, eye and dental care, and other qualified health care expenses

These plans are made to benefit different types of business structures, but share the same end-goal – to save the employers and their employees money.  It allows employers to deduct up-to 100% of the reimbursements as a business expense and keep the plan in full compliance with all current laws and insurance regulations with the necessary plan documents.  HRAs give employers more control of the overall cost of their benefits plan, and help to reduce the financial impact for employees when paying for out-of-pocket medical expenses.

Every cent a business and employee spends, COUNTS.  Whether self-employed, a company with a group health plan or a business without insurance, BASE® can help implement a custom HRA plan to help save on health care costs.

For more in-depth information about each type of HRA, please call BASE® at 1-888-386-9680 or visit

Fall into Savings with BASE®!

Summer is quickly coming to an end and fall is fast approaching. This is a good time to take a look at where you can start saving valuable tax dollars! Did you know small business owners can save an average of $4,700 dollars a year with a Section 105 BASE® Health Reimbursement Arrangement (HRA)?

Healthcare costs can be expensive, and many small business owners struggle with the rising costs. The BASE® HRA assists with healthcare expenses and participants have the opportunity to deduct up-to 100% of healthcare costs, including individual insurance premiums and qualifying out-of-pocket medical expenses. This includes prescriptions, vision, dental and much more! This plan lets employers keep their hard earned money in their pocket!

Jerry K., a client since 2005, shares his success with the BASE® HRA. “The BASE® HRA has saved me thousands of dollars over the 16 years I have been involved with the plan, and is an easy method of saving tax dollars.  I have always felt the staff was excellent and is always there to answer any questions with effective answers.  The plan is straight forward, easy-to-use, and tracking medical expenses is worth the minimal extra effort when the result is a sizable savings,” he says.

The BASE® staff is here to support our clients and answer any questions that may come up! Our goal is to make this plan as easy and as low maintenance as possible, so small business owners can focus on their business and family.

BASE® gets the opportunity to work with thousands of small business owners across the United States, helping them save thousands of dollars each year. Gary M. shared his story of how BASE® helped him save tax dollars with this plan. “The BASE® HRA has saved me money since enrolling in the plan in 2011. Last year I saved around $3,600, which makes tracking expenses worth the time and effort. The BASE® HRA is the only and best way to save tax dollars.”

 If you are a small business owner, contact BASE® today to see if you qualify for a BASE® HRA and fall into savings!