In simpler times, health reimbursement arrangements, or HRAs, were furry, fluffy, friendly creatures in the benefits forest. But now … not so much. They're multiplying like crazy, and growing fangs and claws. In this episode, Ed and Scott track the current species of HRAs, in all their varieties.

• How do the endlessly evolving types of HRAs differ from each other?
• What kind of HRAs can an employer offer, and to whom, without getting bitten?
• What do Tesla sedans have to do with HRAs? (Ed is slow on the take-up, and still not clear.)
• Can an employer offer young (tan) Scott a group plan and old (probably dying) Ed an HRA and a one-way ticket to Medicare?
• What advantages or "free passes" from complex ACA regulation do some of the new HRAs offer employers?