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?
You Can Use it Now
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.
Health Reimbursement Account
Watch this short video to learn how to get the most from your Health Reimbursement Account. (Length: 04:04)
What is an HRA vs. HSA?
Watch this short video to learn more about account-based plans. (Length: 05:37)
More benefits through your employer
Visit our Knowledge Center to learn about:
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.
*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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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