Your employees will love the SIHRA. For high-volume users, it is the best health coverage they will ever have. 100% out of pocket expenses covered is essentially a tax free raise for members who spend their max out of pocket every year. Human Resources will love the retention-rate implications of offering such a competitive healthcare benefit, and will also love the ease of implementation and management. The SIHRA does not require HR to adjust any existing healthcare plans, contracts, or offerings—it seamlessly bolts on to your existing plans.