While realizing the value to themselves and their employees, the complexities of HSAs and HRAs are starting to sink in to many small to medium size companies. There are differences in the two plans and there seems to be a growing divide as to the size of companies and their choice of plans. In either case, these companies are starting to look at cost-efficient ways of implementing HSAs and HRAs. Health Savings Accounts are employee owned with any monies contributed by companies being controlled by the employee. In contrast, Health Reimbursement Accounts are controlled by the employer who provides the funds and maintain all account assets. Changing Rules Washington insiders report that corporations will be permitted to roll leftover funds from IRAs in the near future. In the meantime, experts predict that smaller companies will opt for HSAs while medium to large corporations will stick with HRAs. Implementing HSAs and HRAs is complex and arduous. The cost of the latter can increase substantially without the proper documentation and management knowledge. HR Consulting Group has put together a complete package to allow many companies to implement their own plans. Written By Experts Written by national attorneys, this kit contains all legal documents for HSA’s and HRA’s: Claim and Enrollment Forms, Communication Materials to use with Clients, Power Point and Corel Presentations, HSA and HRA Legal Documents and Summary Plan Descriptions, how to do tiered Medical/Dental, how to link to Debit/Credit Cards, IRS Regulations and Rulings, Comparison Spreadsheets for HSA, HRA and FSA and Free Updates for a period of one year. | 
