Benafica is a health benefits and insurance company that helps employers offer flexible, tax-free health reimbursement plans instead of traditional group health insurance.
Industries We Serve
We build and administer health benefit programs for employers whose workforces don’t fit a standard group plan; mixed schedules, multiple sites, high turnover, or budgets that can’t absorb a renewal increase.
Different Industries, The Same Benefits Challenges
When your workforce doesn’t fit neatly into a group plan, ICHRA gives you another way.
Mixed Workforce
Salaried, hourly, part-time, and seasonal people under one roof. A single plan is always too generous for one group and too thin for another.
Multiple Locations
Branches, rooftops, job sites, or clinics — sometimes across state lines, where a single carrier network stops making sense.
High Turnover
On a group plan, you often keep paying the premium for someone who left mid-month. An allowance simply stops when employment does.
High Renewals
Grant funding, thin margins, or a board that set the number in advance. ICHRA makes benefits a figure you choose and hold.
See How ICHRA Works for Your Industry
Auto Dealerships & Services
Auto businesses need benefits that can keep up with multiple employee types, locations, and fast-moving workforces. ICHRA gives dealerships and service businesses a flexible way to offer meaningful benefits without forcing everyone into the same plan.
- Variable Hours
- Multiple Locations
Restaurants & Hospitality
Front-of-house, back-of-house, part-time, and management teams rarely have the same needs. Add high turnover and unpredictable schedules, and a group plan gets complicated fast. ICHRA gives restaurants and hospitality businesses a more flexible way to offer benefits.
- Part-Time Majority
- Seasonal Swings
Banks & Credit Unions
Keep what works for your full-time employees while creating new options for your part-time workforce. With a hybrid strategy, banks and credit unions can maintain their existing group plan for one employee class and fund an ICHRA for another.
- Hybrid Group + ICHRA
- Multiple Branches
Non-Profit Organizations
When every dollar comes from grants, donations, or a carefully approved budget, an unexpected renewal increase can create a real problem. An ICHRA lets you set your benefits budget upfront, giving your organization more predictable costs from one year to the next.
- Budget Predictability
- Board-Friendly
Daycares & Independent Schools
Daycares and independent schools often operate on tight margins, seasonal schedules, and lean staffing. An ICHRA lets you offer meaningful health benefits at a defined contribution your organization can realistically budget for.
- Thin Margins
- Seasonal Calendar
- Retention
Religious Organizations
Churches, ministries, and faith-based schools often have small staffs that make traditional group coverage difficult to offer. An ICHRA gives organizations a flexible way to provide benefits without worrying about participation minimums
- Small Staff
- No Minimums
Dental, Veterinary & Small Health Clinics
Small dental, veterinary, and healthcare practices often have just enough employees to need competitive benefits—but not enough to satisfy a carrier’s participation requirements. With an ICHRA, there’s no participation minimum to meet.
- Small Teams
- Specialized Staff
- No Minimums
Construction & Manufacturing
When your workforce spans job sites, shifts, seasons, and union agreements, one benefits strategy may not fit everyone. With ICHRA employee classes, you can build a benefits strategy that accounts for those differences.
- Multiple Locations
- Union & Non-Union
Don’t See Your Industry?
The pattern matters more than the label. If you employ a mix of hourly, salaried, part-time, or seasonal people, the same logic applies. Tell us about your team and we’ll be straight with you about whether an HRA fits.
Let's Look at Your Numbers
Send us your census and current renewal, and we’ll model an ICHRA against what you’re paying today, with a class structure built for how your business actually staffs.