Spousal HRA + Health AI · For employers

Cut healthcare costs by 20% or more with Spousal HRA.

Based on historical client results. Results vary by workforce, participation, and plan design.

We help employers significantly reduce healthcare costs without cutting health benefits, and give employees AI-driven tools to improve their well-being and financial health.

Voluntary for employees. Not a carve-out or a surcharge.

Schedule a free consultation

Cut your company's healthcare costs by 20% or more

  • Takes about 30 seconds to request
  • 15–30 minute consultation
  • Free estimated savings proposal
  • No obligation
Diagram. An employee family moves from your plan to the spouse’s plan and adds your HRA. Your cost for that family drops from the full plan cost to a reimbursement plus an administrative cost. Up to about $8,000 saved a year per participating employee, based on historical client data. Results vary.

Per participating employee, at the top of the historical $6,000 to $8,000 range. Based on historical client data. Results vary.

Cut your company's healthcare costs by 20% or more

  1. 1They choose the spouse's plan. It becomes their primary plan.
  2. 2Your HRA joins it. It reimburses 100% of their eligible out-of-pocket costs.
  3. 3Your cost drops. From a full plan cost to a reimbursement plus an administrative cost.
  4. 4The difference is savings. Your plan stays exactly as it is.

Our implementation partner’s track record

  • 25+ yearsadministrator experience
  • 97%client retention
  • $400M+in health claims administered
  • 300 to 150,000+employees at client employers

Our solutions

Three ways we lower costs and strengthen benefits.

All solutions
  • Spousal Incentive HRA Product

    AI-Driven Spousal HRA

    Our Spousal Incentive HRA. Employees with access to a spouse's group plan can choose it, and 100% of their eligible copays, deductibles, and coinsurance are reimbursed.

  • Advanced AI-Driven Health Mobile App

    Health AI mobile app

    An advanced, AI-driven health app customized for each employer: personalized health insights, stronger employee engagement, and a health risk assessment profile.

  • Key Partners

    Preferred partners

    Key partners who bring industry-leading expertise to implementation and support.

The Spousal HRA

How the Spousal HRA works

An employer-funded, voluntary Health Reimbursement Arrangement. Your plan stays exactly as it is, and the health claims risk for participating families moves off it.

  1. Keep your plan.

    It's offered as another plan option alongside all your benefits. There's no need to eliminate any medical plan.

  2. Offer the option.

    Employees with access to another group plan, usually a working spouse's, can choose to enroll in it.

  3. They enroll.

    That plan becomes their primary plan.

  4. The Spousal HRA reimburses

    100% of their eligible copays, deductibles, and coinsurance under it. The administrator handles every claim, so there's no added work for HR.

  • Voluntary
  • Not a carve-out
  • Not insurance
  • Non-participants see no change
See how it works

Key benefits

Why employers choose it

  1. Reimbursement employees feel.

    It pays 100% of eligible copays, coinsurance, and deductibles under the spouse's plan for participants who qualify.

  2. Financial efficiency.

    Substantial savings and more predictable budgets, so you can plan and allocate with confidence.

    Historically 25% to 65% or more of each participating employee’s plan cost. Results vary.

  3. A stronger benefits package.

    It supports employee satisfaction and retention, and it sits alongside every benefit you already offer.

Most plans with high deductibles, copays, and coinsurance quietly discourage care. This one encourages participants to take care of their health.

Why the program is good for employees

Start here

Find your way in.

Employers estimate their savings, and brokers and consultants partner with us.

For employers

See your estimated savings.

$800,000a year, illustrated

1,000 employees × 10% participation × $8,000 per enrolled employee

Illustrated annual savings by company size
EmployeesEnrolled at 10%Illustrated savings
30030$240,000
50050$400,000
1,000100$800,000
2,500250$2,000,000
5,000500$4,000,000

Illustration. Results vary. Not a projection for your organization. Under 10,000 employees, illustrated at $8,000 per enrolled employee. At 10,000 or more, we count 80% of employees as on the plan and use $7,000. Approximately $6,000 to $8,000 a year per participating employee, based on historical client data. Results vary.

For brokers and consultants

Partner with us.

We collaborate with top-tier partners. Ask the questions a careful broker asks, and get the answer right here.

Isn't this a spousal carve-out?

No. A carve-out pushes spouses off the plan, and a surcharge charges them more. Both leave families paying out-of-pocket costs. This program is voluntary, adds an option, and reimburses eligible out-of-pocket costs.

Who administers it?

A specialist third-party administrator implements and runs the HRA. Bentley & Green is the advisory firm. The administrator's name, credentials, and plan documents come with the savings proposal.

What happens to the current plan?

Nothing. Same plan, carrier, and plan design. Employees who don't qualify, or don't choose it, keep exactly what they have.

What does an employee have to do?

Enroll in the other group plan, waive your medical plan for participating family members, attest to the other coverage, and join the HRA. They confirm their doctors and prescriptions are in that plan's network first.

About us

About Bentley & Green Health AI

Our mission

To empower employers to significantly reduce healthcare costs without cutting health benefits, and to give employees AI-driven tools that improve their well-being and financial health.

Our vision

A future where employers can generate their own health risk data instantly, with accurate insight into their group's health risk, instead of relying on outdated carrier reports.

That transparency leads to better-informed decisions and fairer healthcare purchasing, without relying on unvalidated third-party or internet-sourced data.

Our story

Our team brings deep healthcare experience and a shared commitment to improving the industry. We were frustrated by opaque pricing for group health coverage, and by health solutions that miss the right people or arrive too late. So we chose to act.

Our multi-generational team brings diverse perspectives to one goal: more transparency, accuracy, and effectiveness in healthcare purchasing. We want employers to pay a fair share for coverage, and American workers to carry a lighter healthcare cost burden.

Our team

The people behind Bentley & Green

Our team brings a wealth of experience in healthcare and insurance. Each member has a proven track record in their field.

Meet the whole team

Minerva Delauren, L.Ac., PhD

CEO & Founder

Founder. PhD in Traditional Oriental Medicine, with more than two decades joining integrative care and healthcare technology.

Ezra A. Gonzalez

SVP & Chief of Marketing & Sales

  • Licensed producer

Marketing and sales strategist since 2016, now focused on HRA and health AI sales. Licensed producer.

Tess Oliveria

VP Client Experience

More than a decade in healthcare customer success, client retention, and solution adoption.

Our clients speak

What people are saying

  • A Health AI app that works

    Bentley & Green recommended a Health AI app that works. It provided valuable insights, empowering us to optimize our health benefits.

    Human Resource LeaderJune 2024
  • Innovative healthcare

    Partnering with Bentley & Green Health AI has been transformative for our organization. Their exceptionally trained team helped us make smarter, better-informed decisions about our health benefits.

    AnonymousMay 2024
  • A very satisfied client

    Choosing Bentley & Green Health AI changed our healthcare strategy. They opened our eyes to ideas we hadn't explored before. Worth the time to talk to these experts. Quite satisfied.

    Company CFOMay 2024

Free consultation

Set up a free consultation.

We’d like to hear from you. Schedule a brief 15–30 minute consultation to start saving on healthcare costs and strengthening your company’s benefits.

Not insurance. An employer-funded Health Reimbursement Arrangement. Savings figures are historical; results vary.

Bentley & Green Health AI, LLC