Skip to main navigation Skip to main content Skip to footer For Medicare For Providers For Brokers For Employers Español For Individuals & Families: For Individuals & Families Medical Dental Other Supplemental Explore coverage through work How to Buy Health Insurance Types of Dental Insurance Open Enrollment vs. Special Enrollment See all topics Shop for Medicare plans Member Guide Find a Doctor Log in to myCigna
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

Buying a plan on your own?

This page features plans you get through an employer. If you're looking for plans you can buy for yourself or your family, we can help get you there.

Find a plan that's right for you

View Cigna Company Names

*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?

Page Footer

I want to...

Get an ID card File a claim View my claims and EOBs Check coverage under my plan See prescription drug list Find an in-network doctor, dentist, or facility Find a form Find 1095-B tax form information View the Cigna Glossary Contact Cigna

Audiences

Individuals and Families Medicare Employers Brokers Providers

Secure Member Sites

myCigna member portal Health Care Provider portal Cigna for Employers Client Resource Portal Cigna for Brokers

Cigna Company Information

About Cigna Company Profile Careers Newsroom Investors Suppliers Third Party Administrators International Evernorth

 Cigna. All rights reserved.

Privacy Legal State Policy Disclosures, Exclusions, and Limitations Transparency in Coverage Customer Rights Accessibility Non-Discrimination Notice Language Assistance [PDF] Report Fraud Sitemap

Disclaimer

Product availability may vary by location and plan type and is subject to change. All health insurance policies and health benefit plans contain exclusions and limitations. For costs and details of coverage, review your plan documents or contact a Cigna representative.

All Cigna products and services are provided exclusively by or through operating subsidiaries of Cigna Corporation, including Cigna Health and Life Insurance Company, Cigna HealthCare of Arizona, Inc., Cigna HealthCare of Georgia, Inc., Cigna HealthCare of Illinois, Inc., Cigna HealthCare of North 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.

 Selecting these links will take you away from Cigna.com to another website, which may be a non-Cigna website. Cigna may not control the content or links of non-Cigna websites. Details