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Home Individuals & Families Shop for Plans Plans Through Your EmployerHealth Reimbursement Account (HRA)

Health Reimbursement Account (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?

It’s Tax-Advantaged

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.

It’s Easy

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.

VIDEO

Health Reimbursement Account

Watch this short video to learn how to get the most from your Health Reimbursement Account. (Length: 04:04)

Watch Video

VIDEO

What is an HRA vs. HSA?

Watch this short video to learn more about account-based plans. (Length: 05:37)

Watch Video

More benefits through your employer

Health Savings Account (HSA) Flexible Spending Account (FSA)

Visit our Knowledge Center to learn about:

HRA or HSA: Which is right for you? How to Choose the Right Plan Understanding Provider Networks Enrollment Tips for Employees

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*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.

Video: Health Reimbursement Account

Video: What is an HRA vs. HSA?

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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 Georgia, Inc., Cigna HealthCare of Illinois, Inc., and Cigna HealthCare of North Carolina, 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). Group Universal Life (GUL) insurance plans are insured by CGLIC. Life (other than GUL), accident, critical illness, hospital indemnity, and disability plans are insured or administered by Life Insurance Company of North America, except in NY, where insured plans are offered by Cigna Life Insurance Company of New York (New York, NY). All insurance policies and group benefit plans contain exclusions and limitations. For availability, costs and complete details of coverage, contact a licensed agent or Cigna sales representative. This website is not intended for residents of New Mexico.

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