HRA letters As we wait for election results to be finalized, it's interesting to note that these products have the highest enrollments in many of the states where results are uncertain. (Photo: Shutterstock)

Starting this year, employers had a new option to reimburse workers who obtain their own insurance coverage for qualified expenses: Individual-coverage HRAs. As employers and advisors search for new ways to control health care costs, these plans provide an alternative. Take Command Health has been tracking adoption and utilization trends during the inaugural year of ICHRAs.

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