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Health Reimbursement Arrangements (HRAs)

With the impending changes to the healthcare market, employers are looking for ways to control the cost of their employee benefits while still offering a competitive benefits package. Health Reimbursement Arrangement (HRA) program can give you the options you need to navigate the new healthcare landscape by providing you with an opportunity to stabilize the amount of money you provide to your employees’ health plan, while still providing a valuable healthcare resource to your employees.

An HRA is an IRS sanctioned program that allows an employer to provide funds for their employees for the reimbursement of eligible out-of-pocket medical expenses. HRAs are completely funded by the employer. HRAs can be established to work alongside of a Section 125 Cafeteria plan but are not a part of the Section 125 Cafeteria Plan, itself.

Two HRA Plans to Choose From

  • Deductible HRA Plan

Covers out-of-pocket health plan deductibles, co-insurance and/or co-pays.

  • Comprehensive HRA Plan

Covers all tax-qualified out-of-pocket medical expenses. Includes an HRA debit card.

Click here for a list of HRA eligible expenses.

ESB-765-1210

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