Health Reimbursement Arrangements (HRAs) have become an increasingly popular choice for organizations looking to provide flexible, tax-advantaged healthcare benefits to their employees. With the rising cost of healthcare, employers are turning to HRA administrators that simplify plan design, ensure compliance, and deliver a smooth experience for both employers and employees. As we move through 2025, several providers stand out for their innovative solutions, technology-driven platforms, and dedicated support.

What Is an HRA?

Understanding Health Reimbursement Arrangements

An HRA is an employer-funded benefit that reimburses employees for qualified medical expenses. Unlike HSAs or FSAs, employees don’t contribute their own money. Instead, the employer sets the allowance, and employees submit eligible claims for reimbursement.

How HRAs Differ from FSAs and HSAs

While FSAs and HSAs require employee contributions, HRAs are entirely employer-funded. HRAs also give employers more flexibility in designing benefits, such as setting reimbursement limits, defining eligible expenses, and choosing rollover rules.

Here’s a look at the Top 10 HRA Administrators in 2025 that are making the biggest impact in the employee benefits landscape.

1. BBP Admin

BBP Admin has earned a reputation for blending innovation with personalized service. Their advanced tools, including smart debit cards that automatically detect eligible expenses, set them apart from many competitors. Employers appreciate the flexible plan designs, while employees enjoy the simplicity of quick reimbursements. For companies that want both cutting-edge technology and hands-on support, BBP Admin is a go-to option.

2. Medcom Benefit Solutions

Medcom continues to be a leader in the HRA space by offering comprehensive benefit administration services. Their platform integrates seamlessly with other benefits such as FSAs and HSAs, giving employees a unified experience. Employers benefit from strong compliance support and streamlined reporting, while employees enjoy easy-to-use debit cards and a hassle-free claims process.

3. BASIC

Since launching HRA administration services in the early 2000s, BASIC has been at the forefront of customized plan design. Employers can choose from a wide range of HRA types, including traditional, QSEHRA, ICHRA, and EBHRA. Features such as deductible integration, rollover options, and robust employer dashboards make BASIC a flexible and reliable administrator for businesses of all sizes.

4. MyChoice Accounts by Businessolver

Businessolver’s MyChoice Accounts is built with employee experience in mind. Their HRA solutions are highly configurable, allowing organizations to adapt benefits to their workforce needs. Employers also appreciate the potential for fund rollovers and the transparency of easy-to-read reports. With a strong reputation for intuitive technology, MyChoice Accounts ensures HRAs are easy to manage and engaging for employees.

5. Employee Benefits Corporation (EBC)

With decades of expertise in employee benefits, EBC remains a trusted partner for organizations looking for tailored HRA solutions. They offer plans that integrate well with other pre-tax benefits, maximizing employer savings and employee flexibility. EBC’s strong focus on education and compliance ensures that businesses can provide meaningful healthcare support while staying within regulatory guidelines.

6. TASC

TASC is known for its expansive portfolio of benefits administration services, and its HRA solutions are no exception. Their platform emphasizes compliance, ease of use, and customization. Employers can design HRAs that align with their health plan strategy, while employees gain access to user-friendly tools and timely reimbursements. TASC also stands out for offering excellent customer support across all plan types.

7. OneBridge Benefits

OneBridge Benefits focuses on creating modern, technology-driven benefits solutions. Their HRA administration is designed with both efficiency and compliance in mind. Employers enjoy flexible plan design options and simplified reimbursement processes, while employees benefit from an intuitive mobile app and online account access. OneBridge continues to be a strong choice for forward-looking organizations.

8. Zorro

Zorro has emerged as a competitive player in the HRA administration market by focusing on streamlined experiences and transparency. Their solutions emphasize flexibility for employers while offering employees clarity and convenience. With user-friendly technology and reliable support, Zorro is quickly becoming a trusted choice for businesses that want a fresh approach to HRAs.

9. Diversified Benefit Services (DBS)

DBS offers highly customizable HRA administration with a focus on education and engagement. Their proprietary software is easy to navigate, helping employees clearly understand and maximize their benefits. Unique features such as direct provider payments simplify the reimbursement process, while employers gain access to tailored reporting and dedicated customer support. DBS continues to stand out for its personal touch in benefits administration.

10. First American Bank – Health Account Services

As part of a full-service financial institution, First American Bank delivers HRA administration that combines compliance, convenience, and financial expertise. Their platform offers around-the-clock account access, integration with other benefit plans, and robust employer tools for enrollment and reporting. With dedicated customer service and a focus on long-term financial wellness, they remain a strong contender among HRA administrators.

How to Choose the Right HRA Administrator in 2025

With so many quality providers available, selecting the right HRA administrator comes down to aligning your organization’s needs with the right partner. Key factors to consider include:

• Plan Flexibility: Choose an administrator that offers multiple HRA types and customizable plan design options.
  
• Technology: Look for user-friendly platforms with mobile access, real-time dashboards, and seamless integrations.
  
• Compliance Support: Ensure the administrator can manage complex regulations including IRS, HIPAA, and ACA requirements.
  
• Employee Experience: A smooth claims process and clear communication are essential for boosting employee satisfaction.
  
• Customer Support: Dedicated assistance for both employers and employees ensures issues are quickly resolved.
  

Benefits of Partnering with an HRA Administrator

Simplifying Compliance and Documentation

HRA administrators ensure plans comply with IRS, HIPAA, and ACA requirements. They manage the complex documentation needed to stay compliant and protect both employers and employees from penalties.

Streamlining Claims and Reimbursements

Administrators provide technology—such as mobile apps, debit cards, and online portals—that speeds up the reimbursement process. This eliminates paperwork and reduces the burden on HR teams.

Improving Employee Satisfaction and Retention

When benefits are easy to use and clearly explained, employees feel valued. HRAs enhance employee satisfaction, making them a powerful tool for recruitment and retention.

Final Thoughts

In 2025, HRAs continue to empower organizations by offering flexible, tax-efficient healthcare benefits. Administrators like BBP Admin, Medcom, BASIC, and EBC lead the way with innovative platforms and strong compliance, while rising names such as OneBridge, Zorro, and DBS bring modern, employee-focused solutions to the table. By carefully evaluating your company’s needs and comparing the strengths of these providers, you can select an HRA administrator that delivers value for both your business and your employees.