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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 2026. Pay attention, though, because they don't all have the exact same offering.
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.
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.
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.
“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
Benepass offers a transparent pricing structure customized to your business size and requirements.
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.
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.
“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 depends on the type of HRA you’re offering:
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.
HealthEquity is an established name in the market and also incentivizes employees to stay healthy.
“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
Accurate quotes are available on request.
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.
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.
“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
Take Command splits pricing into two categories:
While Take Command is a great fit for small businesses, it also offers ICHRAs that satisfy the employer mandate for applicable large employers (ALEs).
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.
“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
Accurate pricing is available from the vendor on request.
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.
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.
“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
Accurate pricing is available from the vendor on request.
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.
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.
“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
Transparent pricing is available for individuals, families and businesses.
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.
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.
“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
Accurate pricing is available from the vendor on request
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.
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.
“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
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.
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.
“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
Accurate pricing is available from the vendor on request.
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.
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.
“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
Accurate pricing is available from the vendor on request.
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.
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.
“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
Accurate pricing is available from the vendor on request.
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.
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:
Typically, the reimbursement process works as follows:
The above process can eat into your resources if you try to do everything manually. HRA software streamlines your workflows to:
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.
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.
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.
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.
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:
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 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.
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.
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.
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.
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 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.
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.
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:
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.
