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What's an HRA?
This is an account owned by your employer that you can use to pay for eligible health care expenses.
Why would I want an HRA?
Contributions from your employer are excluded from your paycheck.
You Can Use it Now
The money is usually available for you to use at the beginning of the plan year.
Your employer handles it; no need to save receipts or deal with paperwork.*
How an HRA works:**
- Your employer contributes a sum of money into your HRA. This is usually on the first day you are covered under the plan.
- Use your HRA to pay for eligible health care expenses for you and your covered dependents.
- An HRA is tax-advantaged, which means any contributions from your employer are excluded from your paycheck.
- Since your employer owns and manages the account, there’s no need to save receipts or deal with paperwork.
- After you've spent all the money in your HRA, you pay for health care costs until you reach your plan deductible. The deductible is the amount you need to pay out of your own pocket before your plan starts to pay.
- Unused money may roll over into the next plan year (depending on your employer’s plan), but if you leave your job or retire the account stays with your employer.
*Debit card plans and requests for reimbursement submitted by the customer will require receipts.
**Plans vary, but this is how an HRA generally works.
In addition, you may not enroll under this option if you are considered self-employed (including partners and more-than-2% shareholders in a subchapter S corporation). Please refer to your plan documents, including specific information on your HRA, or contact your employer for more information on what’s covered and not covered by the plan.