What HRA Council does

HRA Council is a 501(c)(6) non-profit trade association headquartered in Houston, Texas, that serves as the industry coalition for Individual Coverage HRAs (ICHRAs) and Qualified Small Employer HRAs (QSEHRAs). The council's membership comprises 15 organizations spanning health carriers, ICHRA/QSEHRA technology platforms, and broker/consultant firms, including benefitbay, eHealth, ezICHRA, Flyte HCM, gravie, HealthSherpa, HRASimple, Kyndly, OneBridge Benefits, PeopleKeep, Remodel Health, Stride Health, TakeCommand Health, zizzl health, and Zorro. Its core activities are regulatory advocacy, market education, and the annual publication of an aggregated Data Report (Volume 4 published in 2025) that compiles ICHRA/QSEHRA adoption metrics across the member base.

The council operates a subscription/membership-dues revenue model, with members paying recurring dues for access to advocacy representation, the annual Data Report, and structured programs such as the 2026 Member Task Forces and HRACademy continuing education. There is no proprietary technology platform and no AI or machine-learning capability — the council is explicitly a trade association rather than a technology vendor. Operational footprint is small, evidenced by a single Houston PO Box address.

Strategically, HRA Council functions as the unified voice for a niche but growing segment of the U.S. employer-sponsored health benefits market. Its value proposition centers on collective regulatory influence at federal and state levels, cross-firm market intelligence, and member credentialing, with continued expansion of programmatic offerings (task forces, education) rather than geographic or vertical diversification visible in the available data.

Name

HRA Council

Legal name

HRA Council

Website

https://hracouncil.org

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

1–10 employees

Short description

HRA Council is a 501(c)(6) trade association in Houston, Texas that advocates for and aggregates market intelligence around Individual Coverage HRAs (ICHRAs) and Qualified Small Employer HRAs (QSEHRAs) on behalf of its 15 member carriers, platforms, and broker/consultant firms.

Ownership category

akta.pro rank

Product category

Health Insurance Industry Advocacy and Membership Services

NAICS

Business Associations (813910)

SIC

Services-Membership Organizations (8600)

akta.pro primary industry

Employer Health Reimbursement Arrangements (HRA/ICHRA/QSEHRA) Administration (HLAEAAAG)

Keywords

• Health benefits advocacy
• ICHRA promotion
• QSEHRA adoption
• Defined contribution health coverage
• Health insurance industry coalition

Headquarters

HQ city

Houston

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Others

Revenue model

1. Membership dues: The organization generates revenue through membership fees from health insurance leaders, brokers, administrators, insurers, support organizations, and employers interested in ICHRA and QSEHRA benefits.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

HRA Council is a non-partisan 501(c)(6) advocacy organization that promotes the adoption of Individual Coverage HRAs (ICHRAs) and Qualified Small Employer HRAs (QSEHRAs) as defined contribution health benefits. It sells membership to health insurance carriers, platforms, brokers, consultants, and employers, and delivers its offerings through annual data reports, the HRACademy continuing education program, the Data Insights Hub, and Member Task Forces for collaborative advocacy, research, and best-practice development.

Product overview

HRA Council is a non-partisan advocacy organization operating as a 501(c)(6) non-profit. Rather than offering a unified product platform, it provides a portfolio of membership services including advocacy for Individual Coverage HRAs (ICHRAs) and Qualified Small Employer HRAs (QSEHRAs), annual data reporting through the Data Insights Hub, and continuing education via HRACademy. The organization connects health insurance leaders, brokers, administrators, insurers, support organizations, and employers offering defined contribution health coverage to promote and expand these health benefits solutions.

Differentiator

Problem solved

Functional benefit

Products and services

• HRA Council Membership Program Membership program for health insurance leaders, brokers, administrators, insurers, support organizations, and employers offering defined contribution health coverage. Members gain access to advocacy, task forces, data insights, and the HRACademy continuing education program.
• 2025 HRA Council Data Report (Growth Trends for ICHRA & QSEHRA, Volume 4) Annual data report aggregating ICHRA and QSEHRA enrollment trends, employer adoption rates, and plan selection data from member organizations, designed for carriers, brokers, consultants, and policymakers tracking the HRA-defined-contribution market.
• HRA Council Data Insights Hub Online portal providing access to data reports, research findings, and media releases regarding ICHRA and QSEHRA market trends and adoption.
• HRACademy ICHRA Continuing Education Program Continuing education program offering CE credits and training on Individual Coverage HRAs and related topics for insurance professionals and member organizations.
• Member Task Forces Collaborative working groups for members to engage in advocacy, research, and development of best practices for ICHRAs and QSEHRAs.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

15 partnerships are on record, tiered member.

• benefitbaymemberOthersMember organization contributing data to HRA Council's annual data reports on ICHRA and QSEHRA enrollment trends and employer adoption rates.
• eHealthmemberOthersMember organization contributing data to HRA Council's annual data reports on ICHRA and QSEHRA enrollment trends and employer adoption rates.
• ezICHRAmemberOthersMember organization contributing data to HRA Council's annual data reports on ICHRA and QSEHRA enrollment trends and employer adoption rates.
• Flyte HCMmemberOthersMember organization contributing data to HRA Council's annual data reports on ICHRA and QSEHRA enrollment trends and employer adoption rates.
• graviememberOthersMember organization contributing data to HRA Council's annual data reports on ICHRA and QSEHRA enrollment trends and employer adoption rates.
• HealthSherpamemberOthersMember organization contributing data to HRA Council's annual data reports on ICHRA and QSEHRA enrollment trends and employer adoption rates.
• HRASimplememberOthersMember organization contributing data to HRA Council's annual data reports on ICHRA and QSEHRA enrollment trends and employer adoption rates.
• KyndlymemberOthersMember organization contributing data to HRA Council's annual data reports on ICHRA and QSEHRA enrollment trends and employer adoption rates.
• OneBridge BenefitsmemberOthersMember organization contributing data to HRA Council's annual data reports on ICHRA and QSEHRA enrollment trends and employer adoption rates.
• PeopleKeepmemberOthersMember organization contributing data to HRA Council's annual data reports on ICHRA and QSEHRA enrollment trends and employer adoption rates.
• Remodel HealthmemberOthersMember organization contributing data to HRA Council's annual data reports on ICHRA and QSEHRA enrollment trends and employer adoption rates.
• Stride HealthmemberOthersMember organization contributing data to HRA Council's annual data reports on ICHRA and QSEHRA enrollment trends and employer adoption rates.
• TakeCommand HealthmemberOthersMember organization contributing data to HRA Council's annual data reports on ICHRA and QSEHRA enrollment trends and employer adoption rates.
• zizzl healthmemberOthersMember organization contributing data to HRA Council's annual data reports on ICHRA and QSEHRA enrollment trends and employer adoption rates.
• ZorromemberOthersMember organization contributing data to HRA Council's annual data reports on ICHRA and QSEHRA enrollment trends and employer adoption rates.

Scale indicators1 record

Recent moves5 records

Expansion highlights4 records

Direct peers

• National Association of Health Underwriters (NAHU): National trade association representing health insurance agents, brokers, and consultants. NAHU pursues the same kind of education, CE programming, and policy advocacy around commercial health benefits that HRA Council does specifically for ICHRA/QSEHRA.
• The ERISA Industry Committee (ERIC): Advocacy association for large employers on employee-benefits policy, including health, retirement, and absence programs. ERIC's focus on employer-sponsored benefits and federal regulatory advocacy makes it the closest analog on the employer-side of the table to HRA Council.
• HR Policy Association: Membership organization of senior HR and benefits leaders at major US employers that advocates on health, retirement, and workforce policy. Operates a similar member dues-funded advocacy and education model and targets the same employer decision-makers as HRA Council.
• Council of Insurance Agents & Brokers: National trade association for commercial insurance brokers, including the large brokerages whose teams advise employers on health benefits. Operates a member-funded education, research, and federal advocacy model directly analogous to HRA Council's.
• Council for Affordable Health Insurance: Advocacy organization focused on expanding affordable health coverage options and reducing regulatory burden in the commercial health insurance market. Its mission and small-association advocacy model closely resemble HRA Council's approach to ICHRA/QSEHRA.
• Partnership for America's Health Care Future: Coalition advocating to expand and preserve health coverage options for Americans through policy advocacy and public campaigns. Comparable to HRA Council as a coalition-style advocacy body built around a coverage-expansion mission.

Broad incumbents

• America's Health Insurance Plans (AHIP): The largest US health-insurance industry trade association. AHIP is a broader incumbent covering all commercial and government health plans, but its advocacy infrastructure and member-funded model closely parallel HRA Council's, making it a natural macro peer for evaluating trade-association economics and influence.

Regional players

• National Association of Professional Insurance Agents (PIA): Trade association representing independent insurance agents across P&C and life/health lines, with strong state-level advocacy focus. Operates a parallel member-funded model for the agent-broker segment, though with a regional/state emphasis rather than federal-category focus.
• Small Business Majority: Small-business advocacy organization that conducts research and policy advocacy on access to affordable health coverage for entrepreneurs and small employers. Closely aligned with HRA Council's mission of serving small employers priced out of conventional coverage.

Others

• National Association of Insurance Commissioners (NAIC): US state-level insurance regulators. Although not a peer organization in a competitive sense, NAIC shapes the regulatory environment HRA Council operates in and is a reference point for understanding the regulatory advocacy landscape relevant to HRA Council's members.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/hracouncil
• Facebookfacebook.com/hracouncil
• LinkedInlinkedin.com/company/hra-council

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about HRA Council