Deductible Gap HRA Plan Document for HDHP savings
High Deductible Health Plan HRA -- Core HRA plan document package

$199 one-time fee in PDF via email*

$249 one-time fee in PDF email* + Deluxe Binder via USPS

HRA Plans for 2+ employee groups are used to reimburse medical, dental, vision, and specific insurance premium expenses to employees tax-free.

With an HDHP Deductible-Gap HRA plan document, employers reduce group health premium cost by switching to a lower-cost high deductible health plan (HDHP) with higher deductibles or co-payments.

The employer then uses some of the premium savings to set up a High Deductible Health Plan HRA to protect the employee from extra deductible or co-payment expense through the HRA.

If no one has a deductible expense, the High Deductible Health Plan HRA saves the employer save even more. Visit our main HRA page or watch a video (below) to see how it works.

The IRS and DOL only require employers to adopt a formal HRA plan document and SPD to define the benefit design in writing. Then you start saving money.

To get started saving right away, click the button for the ordering method that works best for you:

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No annual fee — Core Documents will notify you when there are sufficient changes in the Code to require amending and restating your Plan. You can amend and update anytime, and only when necessary, which is the most cost-effective way to maintain a HRA Plan.

Fast Service — Most orders placed by 3 PM are returned via email the same day, Monday through Friday. Weekend orders are sent out Monday morning. Plan document packages are processed in the order received. During our busiest months (December, January, and February), the rush order fee (see order form) marks your document to be processed immediately.

Refund Policy: Goods and services provided by Core Documents, Inc. are non-refundable upon receipt. Orders cancelled prior to shipping are subject to a fee to cover the cost of goods and services provided during the review, draft, and preparation of your order.


The Trusted Source of Affordable Benefit Plan Documents for over 20 Years.

Core Documents is the country’s leading provider of cost-effective, tax-saving benefit plan documents for Section 125 Cafeteria plans and Health Reimbursement Arrangements. The Trusted Source since 1997, thousands of satisfied agents and employer groups nationwide rely upon Core Documents for free plan design consulting services, plan document updates, ERISA Wrap SPDs, and administration services.