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Health Reimbursement Arrangement (HRA)

A Little Extra Help from Your Employer

A Little Extra Help from Your Employer

A Health Reimbursement Arrangement (HRA) is an employer-funded program that helps you pay for out-of-pocket costs like medical deductibles, copays, coinsurance, and other qualified medical expenses.

A Health Reimbursement Arrangement (HRA) is an employer-funded program that helps you pay for out-of-pocket costs like medical deductibles, copays, coinsurance, and other qualified medical expenses.

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HRA Advantages

  • 100% of funds come from your employer
  • No income tax on contributions
  • Typically designed to reduce your out-of-pocket expenses on qualified medical expenses
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How HRAs Work

When you receive medical services, the doctor or medical facility will send a claim to your health insurer. Sometimes, your insurance will only pay for a portion of these expenses – leaving you responsible for the rest.

HRAs are a convenient way to cover the rest of these expenses and most HRAs automatically pay your providers directly. If an HRA is offered with your plan, your employer agrees to fund a pre-determined amount of money per year to help pay for some of these expenses.

Check with your employer for details about your HRA.

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Ask your employer if your health plan comes with an HRA

An HRA is a simple, smart way to save money on your out-of-pocket costs for care. It’s like getting extra money from your employer — money that you can use to pay for copays, deductibles, coinsurance, and more.

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