Activa Benefits Services offers turnkey solutions in setting up self-funded benefit plans. Utilizing industry leading technology with a personal touch, Activa delivers solution-based benefit plan designs and administration.

Activa is now becoming Insight Benefit Administrators. What will this change mean for you? You can continue to call on the Insight/Activa staff as you always have. You’ll benefit from Insight’s precise blend of experience and customer care creating a service model that delivers a better benefit administration program to our clients and covered members.

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Our Services

HRAs/HSAs/FSAs

In contrast to traditional health benefits plans, consumer-directed health plans were developed to empower and encourage covered persons to evaluate their healthcare options with an eye on the cost and an incentive to spend dollars wisely.  Activa Benefits will help you design consumer-directed plans to encourage employees  and their dependents, the consumers of healthcare, to make informed choices.

Want to try our HRA/HSA/FSA tax savings calculators? Click here to go interactive.

Comparison of Consumer-Directed Options:

  Health Savings Account (HSA)   Health Reimbursement Account (HRA)  Flexible Spending Account (FSA)
What is it? A tax-advantaged account used to pay for qualified medical expenses of the account holder, spouse, and/or dependents


An employer-funded arrangement used to reimburse employees for out-of-pocket qualified medical expenses

 
An employer-established, tax-advantaged account funded by the employee to pay for qualified medical expenses with pre-tax dollars
Who owns the account?


The employee/account holder

 

The employer

The employee, but all account balance revert back to the employer at the end of the plan year.

 
Who can contribute?


Employers, employee/account holder, or any third party

 
 The employer  The employee
Can unused funds be rolled over from year to year? Yes   Determined by the employer's plan design  No
Is there an annual contribution limit? In 2014, limits are $3300 for individuals and $6550 for families Determined by the employer's plan design Determined by the employer's plan design
Will the account reduce out-of-pocket healthcare expenses of the account holder?  Yes  Yes  Yes

Federal Rules and Regulations are subject to change.