Benafica is a health benefits and insurance company that helps employers offer flexible, tax-free health reimbursement plans instead of traditional group health insurance.

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6701 Upper Afton Rd. Ste. 200, St. Paul, MN 55125

For brokers & benefits consultants

You Keep the Client, We Run the Back Office

Benafica administers ICHRA, QSEHRA and TPA programs for brokers across the country, so you can bring a real answer to the groups you’d otherwise lose at renewal.

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Who Partners with Benafica?

We work with benefits professionals across the country who want to add ICHRA and QSEHRA to their service offering — or who need a better administrator for the HRA business they already have.

  • Employee benefits brokers and consultants
  • Independent health insurance agents
  • Agencies expanding into employer-sponsored benefits
  • Broker-dealers and financial advisors serving small to mid-size businesses
Employees reviewing ICHRA quote in office setting

Keep your BOR

The relationship is yours and it stays yours. We administer the arrangement underneath and you remain the broker or agent of record on the case.

Manage your book with BEN360

Every ICHRA client in one place: enrollment status, premiums, payments, renewal dates. You can answer “how’s it going at Northline” without emailing anyone. Explore BEN360.

Get a trusted HRA partner

Our HRA administration is backed by a responsive team that knows the individual insurance market. That matters when the questions get specific.

Trusted by Leading Benefits Brokerages

End-to-End Administration

What We Administer

ICHRA

Individual Coverage HRA

Also known as a CHOICE Arrangement, this is the most flexible health benefit for employers of any size.

  • Set a monthly allowance by employee class
  • Employees choose individual health insurance plans
  • Reimburse them tax-free
  • No contribution limits
  • No participation minimums
Explore ICHRA
QSEHRA

Qualified Small Employer HRA

Designed for small businesses with fewer than 50 FTE employees.

  • Offer a simple monthly benefit amount
  • Employees can use any qualifying coverage
  • Reimburse them tax-free
  • IRS-set contribution limits
  • No participation minimums
Explore QSEHRA
How it Works

Working With Us

Plan design and modeling, done for you
We model the arrangement before anyone commits; allowance levels against real premiums in your client's counties, multiple funding strategies, employee class suggestions. You walk into the meeting with numbers, not a brochure.
Affordability and compliance handled
Affordability tested against the lowest-cost silver plan in each employee's rating area. Safe harbor chosen and documented. Plan documents drafted and maintained, the 90-day notice issued on time, substantiation every month, ACA reporting supported.
Licensed agents run the enrollment
Most ICHRA platforms hand employees a website and a deadline. We put a licensed person on the phone with each one, and they stay on it until someone's enrolled in a plan that covers their doctor. Enrollment is where these arrangements succeed or fail, and it's the part that can't be automated.
Premiums paid, reimbursements processed
Somebody has to make sure a few dozen individual policies are paid on time every month, or people lose coverage one at a time and nobody notices until a claim is denied. That's ours. Lapses get flagged before they become a gap, and reimbursements stay tax-free because the substantiation is actually being done.
Ongoing administration
ICHRA and QSEHRA don’t stop after enrollment. We handle the ongoing administration, including employee changes, qualifying life events, compliance requirements, and annual renewal reconfiguration.
Testimonials

What Brokers Say

“We trust Benafica with our ICHRA business because they’re always quick to respond — whether it’s compliance, portal support, or enrollment updates. Having a reliable backend team has been a game-changer!”
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Dominic N.Benefits Broker
"Benafica was thorough from the start and took the time to explain ICHRA and how it compared to our current coverage. The process was informative and never felt “salesy.” We would definitely recommend Benafica as an ICHRA partner."
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Brandon C.Broker/Owner
“Benafica has been a great extension of our team. We can bring ICHRA to clients who need more flexibility without taking on all of the administration ourselves.”
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Jennifer C.Benefits Consultant
“The communication and follow-through have been excellent. We always know what’s happening with our groups via the platform, and our clients have a direct resource when they need help.”
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David P.Senior Benefits Consultant
“Benafica makes ICHRA much easier to offer to our clients. They handle the administration and employee support, while we can stay focused on our clients and their overall benefits strategy.”
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Mark R.Employee Benefits Consultant
FAQ

Broker Frequently Asked Questions

Have questions about partnering with Benafica? Find answers to common questions about our ICHRA and QSEHRA administration, broker support, and working with us across all 50 states.

Yes. You can keep your BOR or AOR when you partner with Benafica. We typically recommend that brokers have experience with individual plan enrollment since you’ll be the one fielding plan and enrollment questions from your clients. If not, that’s okay. Our enrollment team can step in.

Brokers are compensated through a per-employee-per-month fee that’s built into the client’s contract with Benafica. This gives you an ongoing revenue stream while we handle the administration and support.

No. We’re a third-party administrator — our business is running programs somebody else sold. We don’t solicit your clients, don’t market other lines to your book, and don’t quote against you at renewal.

We typically recommend considering an HRA when a group has at least 5 employees, since there are administration fees involved. That said, we administer groups of all sizes, from small businesses to groups with several hundred employees.

Yes, we can take over HRA administration mid-year. We’ll review the existing plan, coordinate with the current administrator, and handle the transition of employee and plan information to Benafica. The timeline depends on the group and the complexity of the transition, but most transitions can be completed within a few weeks with the right information in hand.

Yes. Brokers get their own broker role in BEN360, giving you one place to manage and view all of your HRA employers. You can see enrollments and payment activity in real time, then drill into details like employee plan choices, dependents, and participation.

We do. Employees contact Benafica directly for reimbursement, substantiation and coverage questions. Nothing routes back through you unless you want it to.

Before renewal, Benafica will reach out to review your client’s current ICHRA and how it’s working. We’ll discuss whether the current strategy is still a good fit or if adjustments should be made.

If changes are needed, we’ll take the time to re-strategize with you and your client, looking at contribution amounts, employee classes, and other plan details to make sure the ICHRA continues to meet their needs.

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Ready to Partner with Benafica?

Bring us the renewal you can’t defend and we’ll tell you honestly whether ICHRA is the answer.

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