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Health Reimbursement Arrangements/Accounts (HRAs)

ALL ABOUT HRAs
Spend and save

Spend the money your employer provides

With HRAs, your employer puts money in the account for you. You can use the money for certain eligible out-of-pocket health care expenses for you and your dependents.

Save your money for other needs

Since you’re using employer funds for health care expenses, you can save your own money for other things you might need. The best part? Your employer may allow unused money to roll over to the next year.

Enjoy easy access to your money

Your employer may offer the PayFlex Card® with your HRA. If so, you can use the card to pay for eligible expenses at qualified merchants. Don’t have the card? No problem. Just pay for those expenses out of pocket. Then you can pay yourself back with your HRA through the PayFlex Mobile® app or website. 

TYPES OF HRAs

HRAs help pay for health care

There are three types of HRAs. For each HRA, your employer decides how much to contribute.

Standard HRAs
Standard HRAs can help you pay for eligible out-of-pocket health care expenses.

Limited HRAs
Limited HRAs can help you pay for eligible expenses before you meet your health plan deductible. Your limited HRA turns into a standard HRA after you meet your deductible.

Retiree Reimbursement Accounts (RRAs)
RRAs can help you pay for eligible expenses during retirement. You can even use them for eligible insurance premiums.

 

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. 

 
 
FIND OUT IF AN EXPENSE IS ELIGIBLE
 

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UNDERSTAND YOUR OPTIONS
Let's take the mystery out of pretax accounts

Not sure which account is right for you? Compare accounts and find the solution that fits you best. Be sure to check your plan to see which accounts are offered.

COMPARE ACCOUNTS

COMMON QUESTIONS
Learn more about HRAs