liferaft benefits

Customizable, affordable, 100% digital solutions to group health insurance

Liferaft Benefits help employers save on healthcare costs, expand their benefits to cover specialty care, and design custom benefit solutions that work for remote and scaling teams.

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Why employers choose a Liferaft HRA

Available for all employers

With Liferaft, simply set a monthly benefit allowance and employees can use their benefits on any qualified medical expense they choose, without facing annual rate hikes or strict requirements.


With a Liferaft HRA, you can fund all or part of your employees' health insurance costs with pre-tax dollars, freeing up budget without sacrificing benefits.


Employees choose how to use their benefits, rather than being stuck in a one-size-fits-all group health insurance plan. This flexibility allows employees to tailor their coverage to fit their personal health, budget, and family situation.

Not sure? Download our guide.

Liferaft's Guide to HRAs is a deep dive into the different ways you can benefit and use an HRA.

Learn about health reimbursement arrangements (HRAs), fertility and IVF benefits, states where an HRA makes the most sense, and more.

Get the Guide

For Individuals

Protect yourself from unexpected healthcare costs

Employer and individual health plans don't always provide the coverage you expect when accidents and other health events occur.

Supplemental insurance fills these gaps, extending a safety net to help cover hospital stays, treatment for critical illness, care from out-of-network providers, and more.

Learn more about our individual plans: