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  • Home Individuals & Families Shop for Plans Plans Offered Through Your Employer Health 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.*
    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: Health Reimbursement Account

    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 Cigna HealthcareSM 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

    What is an HRA vs. HSA?

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

    Watch Video

    Video: What is an HRA vs. HSA?

    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 Healthcare Company Names

    *Debit card plans and requests for reimbursement submitted by the customer will require receipts.

    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.

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    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 Healthcare representative.

    All Cigna Healthcare products and services are provided exclusively by or through operating subsidiaries of The Cigna Group 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 The Cigna Group 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 Healthcare name, logo, and other Cigna Healthcare marks are owned by Cigna Intellectual Property, Inc. LINA and NYLGICNY are not affiliates of The Cigna Group.

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