
ALL ABOUT HRAs
HRAs offer savings and money back
Earn tax deductions on an account you own
Employers fund and own HRAs, so you decide how much to contribute. You can deduct reimbursed employee health care expenses as business expenses and exclude them from your employees’ gross income.
Reimburse employees with tax-free dollars
Employees can get money back, tax-free, for out-of-pocket eligible health care expenses, up to a fixed dollar amount each year. Employers fund the account, but it doesn’t count as taxable income. That means employees use tax-free dollars to pay for certain health care expenses. And unused funds can roll over to the next year.
Make it easy with the PayFlex Card®
Want to provide extra convenience? Offer the PayFlex Card to your employees. It provides instant access to their funds for eligible expenses at qualified merchants. If they have an Apple® or Samsung® device, they can add the card to their digital wallet. Then use it for a no-touch payment. It’s a fast, easy and secure way to pay.

MAKE MENTAL HEALTH A PRIORITY
Offer a PayFlex Specialized HRA for mental well-being
Behavioral and mental health is a key component of your employees’ well-being. And it can greatly affect the workplace.
61 percent of employees say their mental health affects their work
Good mental health positively impacts worker productivity and physical health. Yet 61 percent of workers say their mental health affects their productivity at work.footnote1 And less than 10 percent of employees access behavioral health services.footnote2
Even for those adults with a mental illness, over half do not get the services they need.footnote3 This is despite having access to a broad spectrum of low- and high-touch mental health services, like traditional therapists, mental health mobile apps and telehealth. PayFlex’s specialized HRA supports your employees by bridging the gap between mental health providers and those who need help. To make things easier, they can use our digital wallet-enabled debit card to pay for eligible mental health care.
Offering a PayFlex Specialized HRA means you can:
- Increase employee access to behavioral health providers in and out of network
- Provide money to lessen the burden of behavioral health expenses
- Build a positive reputation among your employees by supporting their well-being
Your employees can use the specialized HRA to help pay for:
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We’re here to help you make mental health a priority. To learn more about our specialized HRA, contact a PayFlex sales executive.
COMMON ELIGIBLE HEALTH CARE EXPENSES
Tax-free spending on eligible health care expenses
Check out the list of common eligible health care expenses. Use the search bar to find specific items and services. Or you can click on the column headers in the table to see which are eligible, eligible with a Letter of Medical Necessity (LOMN), or not eligible.
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EDUCATIONAL MATERIALS
Expand your knowledge of HRAs
Learn about health reimbursement arrangements
Explore limited health reimbursement arrangements
Review how retiree reimbursement arrangements can help
Support your employees' mental well-being with a specialized HRA
REFERENCES
footnote1 SHRM, Mental Illness and the Workplace 2019, https://www.shrm.org/hr-today/news/all-things-work/pages/mental-illness-and-the-workplace.aspx
footnote2 Based on Aetna and PayFlex business analytics.
footnote3 Mental Health in the Workplace, Journal of Occupational and Environmental Medicine 2018, https://www.ncbi.nlm.nih.gov/pmc/articles/PMC5891372/