HRA'S are a scientific statistical analysis of a persons behaviors. Some of the behaviors that affect your health and longevity include smoking, diet, exercise, stress and medical parameters such as blood pressure and cholesterol level. HRA's identify the behaviors that increase your risk of illness and premature death. These behaviors can then be targeted with the goal of a happier, healthier lifestyle. HRA's and Risk Reduction have been proven to Lower Costs of Health and Workers Compensation Insurance, to reduce Disability Costs and to Increase Employee Productivity.