Partially Self Funded Health Plans or Health Reimbursement Arrangements (HRAs)

Midwest Group Benefits provides administration services for Partially Self-funded Health Plans or Health Reimbursement Arrangements (HRAs).

A Partially Self-funded Health Plan or HRA provides an innovative alternative to a traditional, fully-insured health plan.  This is accomplished by first purchasing a fully-insured plan from a quality carrier and then working with your health insurance agent and our experts in tailoring the plan's co-pays, coinsurance, deductible limits, etc. to best fit your organization and its employees' needs.  The monthly fully-insured premium is paid to the carrier and any additional claims under the partially self-funded plan are paid as they are incurred.


This type of plan is available to employers of any size and is fully funded by the employer.  Eligible expenses under the Plan can be defined by the employer, however, funds cannot be used to pay for any health insurance premiums.