As insurance rules and regulations continue to change and evolve, it’s important for all business owners and professionals to stay on top of that information. In our Insurance 101 series, the professionals of the Western Reserve Association of Health Underwriters are bringing you high-level knowledge and expertise to meet your health insurance and employee benefits needs.

The Western Reserve Association of Health Underwriters is a chapter of the Ohio Association of Health Underwriters as well as the National Association of Health Underwriters. We are a not for profit association dedicated to educating the public and decision makers about the value health insurance professionals deliver in helping consumers access the health care system and, through education and association involvement, increase members’ ability to better serve consumers. We will do so in a financially prudent and responsible manner.

Our membership represents agents who provide health insurance to companies and individuals in the State of Ohio with the customer’s best interest in mind.

Mission Statement

WRAHU will educate the public and decision makers about the value health insurance professionals deliver in helping consumers access the health care system and, through education and association involvement, increase members’ ability to better serve consumers. We will do so in a financially prudent and responsible manner.

High-Deductible Plans Can Provide Tax Savings


George Morris is president of Morris Financial Group in Salem and legislative chairman for the Western Reserve Association of Health Underwriters. Let’s start with health reimbursement arrangements. They are employer-funded health care accounts that reimburse employees for eligible out-of-pocket medical expenses on a tax-favored basis. Health Reimbursement Arrangements (HRA) are often paired with group plans that have high deductibles in order to help employees pay out-of-pocket medical expenses. This gives a tax-favored benefit to both the employer and employee, as...