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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 →

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

Mental Health Awareness month blog May 2026

Creating a Workplace Culture That Actually Supports Mental Health

This post breaks down what really supports mental health at work: a healthy culture, PTO people can actually use, leaders who care about employees’ lives, genuine specific appreciation, and real chances to give feedback and improve how work gets done.
How HSA works with HRA blog image of a female employee with dollars and medical signs metaphor for HSA contributions

What Is an HSA? How Health Savings Accounts Work With HRAs

Wondering how HSAs fit with HRAs? This guide explains what a Health Savings Account is, how it works, and when you can pair an HSA with an HRA like ICHRA or QSEHRA while keeping employees HSA-eligible and your benefits strategy compliant.
Mid-Year ICHRA starts blog

Yes, You Can Start an ICHRA Mid-Year. Here’s How.

Wondering if you can start an ICHRA mid-year? You can. Learn how notice periods work, how a special enrollment period is triggered, and how to transition from group coverage without disrupting your employees’ benefits.

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.