Group Health Insurance

We provide insurance to groups as small as two individuals and as many as a thousand members. Deciding between traditional deductible plans or the newest and best in consumer driven health insurance plans will be easy when JTK Insurance Services is involved.

Consumer-driven accounts are an important way to help employers and employees understand the value of their benefit dollars. A Health Reimbursement Account (HRA) helps the employer because it gives greater control over their cash, and you never have to prepay any insurance claim again. A Health Savings Account (HSA) lets your employees put away money that is tax-free and collects interest in a tax-deferred account until they are 65.

The chart below can help you decide which option is the better choice to help you control your health care costs by driving employee responsibility, participation, satisfaction and results.

	HRA	HSA
Employer-owned	Yes	No
Employer contributions must rollover into the next plan year	No	Yes
Funds are transferable if the employee terminates	No	Yes
Only employers can make account contributions	Yes	No
Contribution amounts are limited by IRS	No	Yes
Employer contributions are tax deductible	Yes	Yes

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