One significant advantage of individual coverage HRAs is their portability. Workers can maintain their health coverage even if they change jobs or leave their current employment. This continuity is particularly valuable as it allows them to keep their existing coverage for potentially longer periods than traditional employer-sponsored health insurance plans. Although they may need to pay the full premium themselves, retaining their coverage eliminates the need to search for a new plan that includes their current healthcare providers. This stability can be especially important for individuals with ongoing medical needs or those who have established relationships with their healthcare providers.
