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Health Savings Account (HSA) and Health Reimbursement Account (HRA)

Shifting behaviors, not costs, to create active participants who are encouraged and rewarded for choosing quality care.

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About Consumer-Driven Health Plans

Consumer-Driven Health Plans (CDHPs) give employers the flexibility to combine a qualifying medical plan with either a health savings account (HSA) or health reimbursement account (HRA).

Cigna's Consumer-Driven Health Plans are designed to deliver savings for clients, without shifting costs to customers. Employers can choose to offer one or both of the Cigna CDHP plans. The health savings account (HSA) gives employees ownership of a tax-exempt savings account they can use to contribute pre-tax dollars to pay for covered health care costs.1 The health reimbursement account (HRA) combines a health plan with an employer-funded HRA to help employees pay for covered health care costs.

Typical Plan Structure

With both options, Cigna delivers a one-stop employer and employee experience by integrating administration and any interactions with HSA bank vendors, as well as service and wellness programs.

HRA Plan

  • Employer-owned account. The employer chooses limits on remaining HRA dollars that roll over to future plan years.
  • Most health plans are eligible. Employers choose the underlying medical plan.
  • Contributions are made by the employer. Employers choose how much to contribute.
  • Automatic claim forwarding option to pay health care providers directly from the HRA.

HSA Plan

  • Employee-owned account.
  • Qualified high-deductible plans are eligible. Premiums for these plans are typically lower than traditional medical plans.
  • Contributions can be made by the employer and the employee, up to the IRS limit each year.
  • Preventive prescription drugs can be covered before employees meet their deductible.
  • Optional Limited Purpose Flexible Spending Account (FSA) for vision and dental expenses. This gives your employees the freedom to enroll in an HSA while saving additional pre-tax dollars in a FSA to help pay for eligible vision and dental expenses.2

Benefits of Cigna Medical Plans

  • 24/7/365 live customer service, when and where employees need it
  • Digital tools for employees , including the myCigna mobile app and cost and quality tool with cost estimates incorporating HRA, HSA or FSA dollars. May vary by plan.
  • Worldwide in-network coverage for emergencies2
  • Most plans offer access to Cigna's large national network of labs, x-ray and radiology offices, and dialysis centers
  • Option for employers to bundle pharmacy, behavioral health, dental, and more.
  • Optional health and wellness incentive programs to encourage and reward employees3
  • Self-funded and fully insured funding options for employers. Options may vary by plan.
  • Dedicated client service team

Components of a Winning Benefits Strategy

Funding Solutions

Pharmacy Benefit Management

Onsite Health Services

HSA and HRA Administration

HRA or HSA plans offer an integrated experience for employers and employees. This makes it easy to implement and simple to maintain.

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1. State and/or local taxes may apply. Contact your tax advisor for details.

2. For Emergency Services as defined by the applicable plan documents.

3. Incentive programs are funded by the employer and may not be available with all product types.

4. Cigna Corporation. “8th Annual Choice Fund Experience Study.” 2014. The Cigna Choice Fund Experience Study is a multiyear comparative analysis of utilization, claim and cost trend data for two groups of customers: those in traditional PPO/HMO plans (the control group) and those in Cigna Choice Fund CDHPs.

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Individual and family medical and dental insurance plans are insured by Cigna Health and Life Insurance Company (CHLIC), Cigna HealthCare of Arizona, Inc., Cigna HealthCare of Illinois, Inc., Cigna HealthCare of Georgia, Inc., Cigna HealthCare of North Carolina, Inc., Cigna HealthCare of South Carolina, Inc., and Cigna HealthCare of Texas, Inc. Group health insurance and health benefit plans are insured or administered by CHLIC, Connecticut General Life Insurance Company (CGLIC), or their affiliates (see a listing of the legal entities that insure or administer group HMO, dental HMO, and other products or services in your state). Accidental Injury, Critical Illness, and Hospital Care plans or insurance policies are distributed exclusively by or through operating subsidiaries of Cigna Corporation, are administered by Cigna Health and Life Insurance Company, and are insured by either (i) Cigna Health and Life Insurance Company (Bloomfield, CT); (ii) Life Insurance Company of North America (“LINA”) (Philadelphia, PA); or (iii) New York Life Group Insurance Company of NY (“NYLGICNY”) (New York, NY), formerly known as Cigna Life Insurance Company of New York. The Cigna name, logo, and other Cigna marks are owned by Cigna Intellectual Property, Inc. LINA and NYLGICNY are not affiliates of Cigna.

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