Customer Spotlight HRA Health Benefits For Employers #### Table of Contents [The Challenge: Supporting Employees Through Change](/#the-challenge-supporting-employees-through-change-0-0-0) [The Solution: Group HRA Through Liferaft](/#the-solution-group-hra-through-liferaft-0-0-1) [From Liferaft to Vitable](/#from-liferaft-to-vitable-0-0-2) [The Results: A Benefit Employees Rely On](/#the-results-a-benefit-employees-rely-on-0-0-3) #### Related Blogs \\ Introducing ACA Autopilot: Fully Managed ACA Compliance for Employers with Hourly Workers](/content/blogs/aca-autopilot-managed-aca-compliance/index.html) \\ Self-Funded vs. Fully Insured Health Plans: What Employers Need to Know](/content/blogs/self-funded-vs-fully-insured-health-plans/index.html) \\ What happens when your home care agency is audited for ACA compliance by the IRS?](/content/blogs/what-happens-when-your-home-care-agency-is-audited-for-aca-compliance-by-the-irs/index.html) .avif)\\ Affordable Care Act FAQs for Home Care Agencies](/content/blogs/affordable-care-act-faqs-for-home-care-agencies/index.html) %20(1).avif)\\ What We Learned from the 2025 Small Business Benefits Index](/content/blogs/2025-small-business-benefits-index/index.html) written by Natasha Schuler Read: 3 mins [Hummingbird](https://www.hummingbird.co/) is a Series B software company on a mission to fight financial crime. Its platform helps compliance teams at banks, credit unions, fintechs, and crypto marketplaces detect and prevent wrongdoing. With around 70 employees—most based in the U.S.—Hummingbird has built a people-first culture that mirrors its larger mission of making the world safer. “ _We are very much a people-focused organization,_” said Erin McLachlan, who manages recruiting and people operations. “ _Our founders truly care about the people at Hummingbird, and a benefit like Liferaft has been a great offering for employees—giving them access to mental health and reproductive health resources that they really value._” Customer Spotlight: Hummingbird - YouTube Tap to unmute [Customer Spotlight: Hummingbird](https://www.youtube.com/watch?v=8MNktip9HUU) [Vitable Health](https://www.youtube.com/channel/UCakpPqe3T3WQkJ6g4eiPxEw) Vitable Health64 subscribers #### The Challenge: Supporting Employees Through Change In 2022, the Supreme Court’s overturning of _Roe v. Wade_ sparked concerns among employees about reproductive health access. Around the same time, Hummingbird was revamping its overall benefits package to stay competitive in a tight hiring market. “ _When Roe v. Wade was overturned, Liferaft allowed us to immediately offer additional support to employees who were concerned about reproductive health options,_” Erin recalled. “ _As a female employee, I really appreciated that._” #### The Solution: Group HRA Through Liferaft To respond to employee needs, Hummingbird introduced a **Group Health Reimbursement Arrangement (HRA)** through Liferaft. A Group HRA is a tax-advantaged benefit that works alongside a traditional group health plan. Employers set aside a monthly budget that employees can use on qualified medical expenses—such as mental health therapy or reproductive care—helping fill gaps in coverage and giving employees more choice in how they access care. > “ _Overall, usage has been strong enough for us to keep offering \[the benefit\] year after year—it’s become a consistent part of our benefits package that employees rely on."_ For Erin, the flexibility has been essential. “ _Personally, I use it. It’s nice to be able to, like, if insurance doesn’t cover a mental health resource or a reproductive health resource, I have that extra cushion of Liferaft,” she emphasizes. “For our employees who are growing their family, Liferaft can be really helpful._” She noted that employee requests have even led the company to expand the list of covered items. “ _I had an employee ask about birthing classes, and we were able to expand our offerings. It shows how valuable the benefit is,_” she explains. #### From Liferaft to Vitable In 2025, Liferaft was acquired by Vitable Health, expanding what began as a flexible HRA solution into a broader platform that now includes Direct Primary Care with unlimited primary care and mental health coaching, Minimum Essential Coverage (MEC) plans that meet federal requirements, ACA-compliant Minimum Value Plans (MVPs), as well as dental and vision coverage. For Hummingbird, this evolution means employees can continue to rely on the HRA benefit they know, while gaining access to a stronger, more integrated platform. As Vitable CEO Joseph Kitonga explained, _“By combining Liferaft’s ICHRA technology with our direct care network, we’ve broken through the impossible triangle. We’ve created something revolutionary: a single platform for employee healthcare and benefits._ #### The Results: A Benefit Employees Rely On For Hummingbird, the Group HRA has proven to be more than a stopgap—it’s become a consistent part of their benefits package. Employees use it for services that matter most, and the People team can administer it with minimal effort. That impact shows up in the numbers: with a 49% utilization rate, employees have submitted more than 285 claims, totaling over $55,000 in reimbursements. For a 70-person company, that level of engagement highlights just how valuable the benefit has become. “ _Overall, usage has been strong enough for us to keep offering Liferaft year after year—it’s become a consistent part of our benefits package that employees rely on,_” Erin said. As Hummingbird grows, benefits like the Group HRA reflect its commitment to supporting employees through change. Now that Liferaft is part of Vitable, companies like Hummingbird have access to a stronger, more integrated benefits platform—delivering better coverage, lower costs, and zero administrative hassle. ## Get a quote Get a personalized health benefits quote tailored to your company’s unique needs. Form First name\* Last name\* Work email\* Phone number\* 🇺🇸 - 🇦🇫 Afghanistan (‫افغانستان‬‎) +93 - 🇦🇱 Albania (Shqipëri) +355 - 🇩🇿 Algeria (‫الجزائر‬‎) +213 - 🇦🇸 American Samoa +1684 - 🇦🇩 Andorra +376 - 🇦🇴 Angola +244 - 🇦🇮 Anguilla +1264 - 🇦🇬 Antigua and Barbuda +1268 - 🇦🇷 Argentina +54 - 🇦🇲 Armenia (Հայաստան) +374 - 🇦🇼 Aruba +297 - 🇦🇺 Australia +61 - 🇦🇹 Austria (Österreich) +43 - 🇦🇿 Azerbaijan (Azərbaycan) +994 - 🇧🇸 Bahamas +1242 - 🇧🇭 Bahrain (‫البحرين‬‎) +973 - 🇧🇩 Bangladesh (বাংলাদেশ) +880 - 🇧🇧 Barbados +1246 - 🇧🇾 Belarus (Беларусь) +375 - 🇧🇪 Belgium (België) +32 - 🇧🇿 Belize +501 - 🇧🇯 Benin (Bénin) +229 - 🇧🇲 Bermuda +1441 - 🇧🇹 Bhutan (འབྲུག) +975 - 🇧🇴 Bolivia +591 - 🇧🇦 Bosnia and Herzegovina (Босна и Херцеговина) +387 - 🇧🇼 Botswana +267 - 🇧🇷 Brazil (Brasil) +55 - 🇮🇴 British Indian Ocean Territory +246 - 🇻🇬 British Virgin Islands +1284 - 🇧🇳 Brunei +673 - 🇧🇬 Bulgaria (България) +359 - 🇧🇫 Burkina Faso +226 - 🇧🇮 Burundi (Uburundi) +257 - 🇰🇭 Cambodia (កម្ពុជា) +855 - 🇨🇲 Cameroon (Cameroun) +237 - 🇨🇦 Canada +1 - 🇨🇻 Cape Verde (Kabu Verdi) +238 - 🇧🇶 Caribbean Netherlands +599 - 🇰🇾 Cayman Islands +1345 - 🇨🇫 Central African Republic (République centrafricaine) +236 - 🇹🇩 Chad (Tchad) +235 - 🇨🇱 Chile +56 - 🇨🇳 China (中国) +86 - 🇨🇴 Colombia +57 - 🇰🇲 Comoros (‫جزر القمر‬‎) +269 - 🇨🇩 Congo (DRC) (Jamhuri ya Kidemokrasia ya Kongo) +243 - 🇨🇬 Congo (Republic) (Congo-Brazzaville) +242 - 🇨🇰 Cook Islands +682 - 🇨🇷 Costa Rica +506 - 🇨🇮 Côte d’Ivoire +225 - 🇭🇷 Croatia (Hrvatska) +385 - 🇨🇺 Cuba +53 - 🇨🇼 Curaçao +599 - 🇨🇾 Cyprus (Κύπρος) +357 - 🇨🇿 Czech Republic (Česká republika) +420 - 🇩🇰 Denmark (Danmark) +45 - 🇩🇯 Djibouti +253 - 🇩🇲 Dominica +1767 - 🇩🇴 Dominican Republic (República Dominicana) +1 - 🇪🇨 Ecuador +593 - 🇪🇬 Egypt (‫مصر‬‎) +20 - 🇸🇻 El Salvador +503 - 🇬🇶 Equatorial Guinea (Guinea Ecuatorial) +240 - 🇪🇷 Eritrea +291 - 🇪🇪 Estonia (Eesti) +372 - 🇪🇹 Ethiopia +251 - 🇫🇰 Falkland Islands (Islas Malvinas) +500 - 🇫🇴 Faroe Islands (Føroyar) +298 - 🇫🇯 Fiji +679 - 🇫🇮 Finland (Suomi) +358 - 🇫🇷 France +33 - 🇬🇫 French Guiana (Guyane française) +594 - 🇵🇫 French Polynesia (Polynésie française) +689 - 🇬🇦 Gabon +241 - 🇬🇲 Gambia +220 - 🇬🇪 Georgia (საქართველო) +995 - 🇩🇪 Germany (Deutschland) +49 - 🇬🇭 Ghana (Gaana) +233 - 🇬🇮 Gibraltar +350 - 🇬🇷 Greece (Ελλάδα) +30 - 🇬🇱 Greenland (Kalaallit Nunaat) +299 - 🇬🇩 Grenada +1473 - 🇬🇵 Guadeloupe +590 - 🇬🇺 Guam +1671 - 🇬🇹 Guatemala +502 - 🇬🇳 Guinea (Guinée) +224 - 🇬🇼 Guinea-Bissau (Guiné Bissau) +245 - 🇬🇾 Guyana +592 - 🇭🇹 Haiti +509 - 🇭🇳 Honduras +504 - 🇭🇰 Hong Kong (香港) +852 - 🇭🇺 Hungary (Magyarország) +36 - 🇮🇸 Iceland (Ísland) +354 - 🇮🇳 India (भारत) +91 - 🇮🇩 Indonesia +62 - 🇮🇷 Iran (‫ایران‬‎) +98 - 🇮🇶 Iraq (‫العراق‬‎) +964 - 🇮🇪 Ireland +353 - 🇮🇱 Israel (‫ישראל‬‎) +972 - 🇮🇹 Italy (Italia) +39 - 🇯🇲 Jamaica +1876 - 🇯🇵 Japan (日本) +81 - 🇯🇴 Jordan (‫الأردن‬‎) +962 - 🇰🇿 Kazakhstan (Казахстан) +7 - 🇰🇪 Kenya +254 - 🇰🇮 Kiribati +686 - 🇽🇰 Kosovo +383 - 🇰🇼 Kuwait (‫الكويت‬‎) +965 - 🇰🇬 Kyrgyzstan (Кыргызстан) +996 - 🇱🇦 Laos (ລາວ) +856 - 🇱🇻 Latvia (Latvija) +371 - 🇱🇧 Lebanon (‫لبنان‬‎) +961 - 🇱🇸 Lesotho +266 - 🇱🇷 Liberia +231 - 🇱🇾 Libya (‫ليبيا‬‎) +218 - 🇱🇮 Liechtenstein +423 - 🇱🇹 Lithuania (Lietuva) +370 - 🇱🇺 Luxembourg +352 - 🇲🇴 Macau (澳門) +853 - 🇲🇰 Macedonia (FYROM) (Македонија) +389 - 🇲🇬 Madagascar (Madagasikara) +261 - 🇲🇼 Malawi +265 - 🇲🇾 Malaysia +60 - 🇲🇻 Maldives +960 - 🇲🇱 Mali +223 - 🇲🇹 Malta +356 - 🇲🇭 Marshall Islands +692 - 🇲🇶 Martinique +596 - 🇲🇷 Mauritania (‫موريتانيا‬‎) +222 - 🇲🇺 Mauritius (Moris) +230 - 🇲🇽 Mexico (México) +52 - 🇫🇲 Micronesia +691 - 🇲🇩 Moldova (Republica Moldova) +373 - 🇲🇨 Monaco +377 - 🇲🇳 Mongolia (Монгол) +976 - 🇲🇪 Montenegro (Crna Gora) +382 - 🇲🇸 Montserrat +1664 - 🇲🇦 Morocco (‫المغرب‬‎) +212 - 🇲🇿 Mozambique (Moçambique) +258 - 🇲🇲 Myanmar (Burma) (မြန်မာ) +95 - 🇳🇦 Namibia (Namibië) +264 - 🇳🇷 Nauru +674 - 🇳🇵 Nepal (नेपाल) +977 - 🇳🇱 Netherlands (Nederland) +31 - 🇳🇨 New Caledonia (Nouvelle-Calédonie) +687 - 🇳🇿 New Zealand +64 - 🇳🇮 Nicaragua +505 - 🇳🇪 Niger (Nijar) +227 - 🇳🇬 Nigeria +234 - 🇳🇺 Niue +683 - 🇳🇫 Norfolk Island +672 - 🇰🇵 North Korea (조선 민주주의 인민 공화국) +850 - 🇲🇵 Northern Mariana Islands +1670 - 🇳🇴 Norway (Norge) +47 - 🇴🇲 Oman (‫عُمان‬‎) +968 - 🇵🇰 Pakistan (‫پاکستان‬‎) +92 - 🇵🇼 Palau +680 - 🇵🇸 Palestine (‫فلسطين‬‎) +970 - 🇵🇦 Panama (Panamá) +507 - 🇵🇬 Papua New Guinea +675 - 🇵🇾 Paraguay +595 - 🇵🇪 Peru (Perú) +51 - 🇵🇭 Philippines +63 - 🇵🇱 Poland (Polska) +48 - 🇵🇹 Portugal +351 - 🇵🇷 Puerto Rico +1 - 🇶🇦 Qatar (‫قطر‬‎) +974 - 🇷🇪 Réunion (La Réunion) +262 - 🇷🇴 Romania (România) +40 - 🇷🇺 Russia (Россия) +7 - 🇷🇼 Rwanda +250 - 🇧🇱 Saint Barthélemy (Saint-Barthélemy) +590 - 🇸🇭 Saint Helena +290 - 🇰🇳 Saint Kitts and Nevis +1869 - 🇱🇨 Saint Lucia +1758 - 🇲🇫 Saint Martin (Saint-Martin (partie française)) +590 - 🇵🇲 Saint Pierre and Miquelon (Saint-Pierre-et-Miquelon) +508 - 🇻🇨 Saint Vincent and the Grenadines +1784 - 🇼🇸 Samoa +685 - 🇸🇲 San Marino +378 - 🇸🇹 São Tomé and Príncipe (São Tomé e Príncipe) +239 - 🇸🇦 Saudi Arabia (‫المملكة العربية السعودية‬‎) +966 - 🇸🇳 Senegal (Sénégal) +221 - 🇷🇸 Serbia (Србија) +381 - 🇸🇨 Seychelles +248 - 🇸🇱 Sierra Leone +232 - 🇸🇬 Singapore +65 - 🇸🇽 Sint Maarten +1721 - 🇸🇰 Slovakia (Slovensko) +421 - 🇸🇮 Slovenia (Slovenija) +386 - 🇸🇧 Solomon Islands +677 - 🇸🇴 Somalia (Soomaaliya) +252 - 🇿🇦 South Africa +27 - 🇰🇷 South Korea (대한민국) +82 - 🇸🇸 South Sudan (‫جنوب السودان‬‎) +211 - 🇪🇸 Spain (España) +34 - 🇱🇰 Sri Lanka (ශ්‍රී ලංකාව) +94 - 🇸🇩 Sudan (‫السودان‬‎) +249 - 🇸🇷 Suriname +597 - 🇸🇿 Swaziland +268 - 🇸🇪 Sweden (Sverige) +46 - 🇨🇭 Switzerland (Schweiz) +41 - 🇸🇾 Syria (‫سوريا‬‎) +963 - 🇹🇼 Taiwan (台灣) +886 - 🇹🇯 Tajikistan +992 - 🇹🇿 Tanzania +255 - 🇹🇭 Thailand (ไทย) +66 - 🇹🇱 Timor-Leste +670 - 🇹🇬 Togo +228 - 🇹🇰 Tokelau +690 - 🇹🇴 Tonga +676 - 🇹🇹 Trinidad and Tobago +1868 - 🇹🇳 Tunisia (‫تونس‬‎) +216 - 🇹🇷 Turkey (Türkiye) +90 - 🇹🇲 Turkmenistan +993 - 🇹🇨 Turks and Caicos Islands +1649 - 🇹🇻 Tuvalu +688 - 🇻🇮 U.S. Virgin Islands +1340 - 🇺🇬 Uganda +256 - 🇺🇦 Ukraine (Україна) +380 - 🇦🇪 United Arab Emirates (‫الإمارات العربية المتحدة‬‎) +971 - 🇬🇧 United Kingdom +44 - 🇺🇸 United States +1 - 🇺🇾 Uruguay +598 - 🇺🇿 Uzbekistan (Oʻzbekiston) +998 - 🇻🇺 Vanuatu +678 - 🇻🇦 Vatican City (Città del Vaticano) +39 - 🇻🇪 Venezuela +58 - 🇻🇳 Vietnam (Việt Nam) +84 - 🇼🇫 Wallis and Futuna +681 - 🇾🇪 Yemen (‫اليمن‬‎) +967 - 🇿🇲 Zambia +260 - 🇿🇼 Zimbabwe +263 Company name\* State\* - Alabama - Alaska - Arizona - Arkansas - California - Colorado - Connecticut - Delaware - District of Columbia - Florida - Georgia - Hawaii - Idaho - Illinois - Indiana - Iowa - Kansas - Kentucky - Louisiana - Maine - Maryland - Massachusetts - Michigan - Minnesota - Mississippi - Missouri - Montana - Nebraska - Nevada - New Hampshire - New Jersey - New Mexico - New York - North Carolina - North Dakota - Ohio - Oklahoma - Oregon - Pennsylvania - Puerto Rico - Rhode Island - South Carolina - South Dakota - Tennessee - Texas - Utah - Vermont - Virginia - Washington - West Virginia - Wisconsin - Wyoming Which of the following best describes you?\* - I am an employer looking to offer Vitable to my employees - I am a broker/consultant interested in partnering to offer Vitable to my clients - I am looking for a personal healthcare coverage. I am not an employer or a partner. - I represent a business interested in partnering with Vitable Which of the following are you interested in?\* ICHRA Plans QSEHRA Plans Direct Primary Care Major Medical Occupational Health Platform Other Vitable Health needs the contact information you provide to us to contact you about our products and services. You may unsubscribe from these communications at anytime. For information on how to unsubscribe, as well as our privacy practices and commitment to protecting your privacy, check out our [Privacy Policy](/content/privacy/index.html). Submit ## Ready to learn more? Stay ahead with the latest insights on healthcare, benefits, and compliance—straight to your inbox. Form First Name Last Name Email\* Which of the following best describes you?\* - I'm an employer exploring benefits for my team - I am a broker/consultant interested in partnering - I am looking for a personal healthcare coverage. I am not an employer or a partner. reCAPTCHA Recaptcha requires verification. protected by **reCAPTCHA** Submit reCAPTCHA Select all images with **a fire hydrant** Click verify once there are none left. | | | | | --- | --- | --- | | | | | | | | | | | | | Please try again. Please select all matching images. Please also check the new images. Please select around the object, or reload if there are none. Verify ## Download 2025 Employer Guide to ICHRA **Vitable’s ICHRA Guide gives employers a clear, step-by-step resource for building smarter, ACA-compliant benefits.** This guide explains how ICHRAs work, who qualifies, and how Vitable simplifies setup, onboarding, reimbursements, and compliance — while giving employees more flexibility, control, and care. Form First Name\* Last Name\* Work Email\* Phone Number\* 🇺🇸 Company name\* Job Title\* Which of the following best describes you?\* reCAPTCHA Recaptcha requires verification. protected by **reCAPTCHA** Submit reCAPTCHA Select all images with **bicycles** Click verify once there are none left | | | | | --- | --- | --- | | | | | | | | | | | | | Please try again. Please select all matching images. Please also check the new images. Please select around the object, or reload if there are none. Verify ## Download Vitable’s 2025 Broker’s Guide to ICHRA **The Broker Guide to ICHRAs is a comprehensive resource that helps brokers understand, sell, and manage Individual Coverage HRAs with confidence.** This guide covers everything from compliance and class design to administration flows, case studies, and how Vitable streamlines quoting, enrollments, and reimbursements for brokers, employers, and employees. Form First Name\* Last Name\* Work Email\* Phone Number\* 🇺🇸 Company name\* Job Title\* Which of the following best describes you?\* reCAPTCHA Recaptcha requires verification. protected by **reCAPTCHA** Submit reCAPTCHA Select all images with **cars** Click verify once there are none left | | | | | --- | --- | --- | | | | | | | | | | | | | Please try again. Please select all matching images. Please also check the new images. Please select around the object, or reload if there are none. Verify High quality health plans that just make sense. Vitable helps employers provide better healthcare to their employees and dependents by improving accessibility, cost, and quality. [Get started](/content/get-started/index.html) reCAPTCHA Recaptcha requires verification. protected by **reCAPTCHA** reCAPTCHA Recaptcha requires verification. protected by **reCAPTCHA** reCAPTCHA Recaptcha requires verification. protected by **reCAPTCHA** reCAPTCHA Select all images with **cars** Click verify once there are none left | | | | | --- | --- | --- | | | | | | | | | | | | | Please try again. Please select all matching images. Please also check the new images. Please select around the object, or reload if there are none. Verify reCAPTCHA Select all images with **a fire hydrant** Click verify once there are none left. | | | | | --- | --- | --- | | | | | | | | | | | | | Please try again. Please select all matching images. Please also check the new images. Please select around the object, or reload if there are none. Verify reCAPTCHA Select all images with a **bus** Click verify once there are none left. | | | | | --- | --- | --- | | | | | | | | | | | | | Please try again. Please select all matching images. Please also check the new images. Please select around the object, or reload if there are none. Verify