HRA with a HDHP and Defined Contribution

If you are struggling to harness your health insurance premium increases and your rising per employee/year costs; look no further. It is probably time to take a look at an IRS-qualified high-deductible health plan with a corporate health reimbursement arrangement (HRA). You can also couple this with a defined contribution, or dollar amount/employee/month, and roll your company and staff in to a portal like Health Insurance Geeks to shop on their own. We can report back what folks over-spend and turn that in to a monthly pre-tax contribution for them through your payroll vendor. This is insurance 3.0 and what most brokers, carriers and other entities are not talking about a lot as we are in the middle of reform, and changes, and this scalps both of their revenue/commission flow. We are a tribe, an army if you will, of savvy folks blowing up the current system, in the name of consumerism. Once we have the right products in place, healthy consumerism for medical services will commence and that will end in pricing coming down dramatically, which in turn will stabilize premium structure. Remember we pay in premium for carriers to cover our healthcare needs which are held ransom by hospitals and physicians charging fees that can swing by 500-1000% from to the other, for no particular rhyme, or reason - for the exact same services. We have no real explanation, other than where someone went to school? Hard to quantify.