HRA, FSA, HSA & COBRA and more

The competitive landscape for CDH account products (including FSAs, HSAs, HRAs) is crowded and rapidly evolving. Stand out with a smarter solution that guides your employers and consumers to measurable savings and better outcomes.

In the face of an increasingly complex benefits landscape, employers want and need consolidated, simplified solutions for managing the full benefits lifecycle.  Our solution brings COBRA administration into the modern age with direct billing and consumer-directed healthcare in an integrated, SaaS-based platform that empowers you to close administrative gaps and increase satisfaction for your customers.

We are integrated with Employee Navigator and EASE to provide you with a seamless solution.

Seamless HRA


Healthcare for employees is a significant expense, making savings on premiums a crucial strategy to reduce overhead.  By analyzing plan utilization and implementing alternative funding strategies, 44N is finding alternatives to funding healthcare costs.

As health care costs and the rate of inflation continue to increase, 44N continues to decrease health care costs. In 2021 alone, over 132 groups utilizing our HRA approach saved over $39 million, while keeping benefits unchanged.

Please click on the links below for more information.


A cost saving self-funded healthcare program for mid-size employers.

Through our Third-Party Administrator, Regency Employee Benefits, we offer a unique approach to group health insurance that allows mid-sized employers to take advantage of the same economic benefits that large, self-funded employers have utilized for years.

Alternative Benefit Funding (ABF) is a self-funded approach with stop-loss insurance at relatively low attachment points to protect smaller employers from significant risk and exposure to large claims. The program focuses on two overriding principles:

Alternative Benefit Funding focuses on a “Pro-Active” approach with the goal of helping people before they become a claim-rather than waiting until they require medical intervention..

Please click on the links below for more information

Let's get Started!

Step 1:   Complete our secure Start New Group Form - click here.

Step 2:    A member of our team will email the information required to set up your new plan.

Step 3:  We will work with you and your employer to implement and onboard the group.

Jack Schmitz


For more information, reach out to Jack

Phone:  269-341-4838