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A New Era of Employee Health Benefits

Benafica helps employers replace rigid group health plans with more flexible, tax-free health reimbursement arrangements, so you can offer better benefits at a predictable cost.

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What We Do

ICHRA, QSEHRA, and Benefits Administration
Built for Your Workforce​

Individual Coverage HRA

The most flexible health benefit for employers of any size. Set a monthly allowance by employee class, let employees choose their own individual health insurance, and reimburse them tax-free. No contribution limits or participation minimums.

Explore ICHRA →

Qualified Small Employer HRA

Designed for small businesses with fewer than 50 employees. Offer your team a simple, tax-free health benefit with IRS-set contribution limits. Employees can use any qualifying coverage, including a spouse’s plan or Medicare.

Explore QSEHRA →

TPA

Third-Party Administration

For over 60 years, Benafica has helped associations manage benefits programs.
Our TPA services include administration for life, home, auto, dental, and vision insurance—backed by a dedicated service team and purpose-built technology

TPA Services →

Medicare Enrollment Help

Licensed Medicare brokers in Minnesota and Wisconsin. We help individuals navigate Original Medicare, Medicare Advantage, and Part D at no cost. Our advisors work across all major carriers to find the right fit.

Medicare Help →

Meet BEN360: Our ICHRA Platform

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BEN360 is Benafica’s in-house ICHRA administration platform, built specifically to handle the compliance, reimbursement, and reporting demands of a well-run ICHRA.

What Our Clients Say

Trusted by Employers, Brokers, and Associations

Latest ICHRA and Benefits Articles

An image of a paycheck showing tax deductions for a payroll cycle highlighting an employees share of a healthcare premium

IRS Raises 2027 ACA Affordability Rate

The IRS has raised the ACA affordability rate for 2027 to 10.22% of household income, up from 9.96% and above 10% for the first time since the employer mandate took effect. Here's what the new safe harbor limits mean for your contribution strategy.
ICHRA employee classes a diverse group of employees standing in an office setting

How to Design ICHRA Classes: Real-World Examples and Guardrails

One of the biggest advantages ICHRA has over group health plans is the ability to use employee classes. Instead of offering the same health benefits to everyone, you can use 11 employee classes to tailor your benefits strategy around your workforce.
Doctor holding a clipboard talking to a patient at desk

Direct Primary Care and Your Benefits Stack: What Employers Need to Know

As employers search for new ways to rein in rising healthcare costs, direct primary care (DPC) has emerged as another lever to pull. By shifting primary care to a flat-fee membership model, DPC can create more predictable expenses, reduce unnecessary claims, and improve everyday access to care for employees.

Ready to Offer Better Benefits?

Talk to Benafica about setting up an ICHRA or QSEHRA for your business.

We’ll help you choose the right HRA type, design employee classes, and handle all the administration.

Call us at 651-287-3253 or fill out the form below.