Optima Design is a suite of fully integrated high-deductible health plans linked with a Health Reimbursement Arrangement (HRA).
Employers can offer a variety of core benefit plans which, when partnered with an HRA, incents employees to manage their healthcare dollars and helps employers to better control and predict healthcare costs.
Simplicity for Employers
- Fully integrated HDHP with HRA
- Single enrollment for both plans
- No paper claims
- Online access to HRA fund activity
- Substantiation of eligible expenses
- Promise-to-pay arrangement; no cash up front for employers
- Unused funds are retained by employer if employee leaves the company
Better Control Over Healthcare Costs
- Lower premiums Reduces “over-insurance”
- Improved cash flow
- Decreases over-utilization and yields more predictability in healthcare expenses each year
- Empowers employees to become better consumers as they realize the true costs of healthcare
Tax Advantages
- Employer-contributed HRA funds are tax-free
- No maximum on employer contributions
Benefits for Employees
- Employees are not taxed on HRA contributed funds
- Lower premiums
- Financial assistance is available from the employer (from the HRA) for qualified out-of-pocket medical expenses
- No paper claims
- Consumer-friendly online tools for healthcare decision-making and account balances
- HRA funds are tax-free and not considered an additional source of income
Optima Design Resources
Optima Design Benefit Plan Features 
HRA Broker Talking Points and Possible Employer Questions
HRA FAQs - Employees
HRA FAQs - Employers
Optima Design -- HRA Funding Options