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Flexibility

An HRA can be used to "buy down" the impact of a high-deductible insurance plan or as a stand-alone employer benefit.

Makes $ense

An HRA does not require the employer to fund the account, like an HSA does. Dollars are only paid out as claims come in. You decide if money rolls over at the end of the year.

FlexRight™ Health Reimbursement Plan (HRA)

An HRA plan is funded by the employer and is used to pay for certain healthcare-related expenses. It has a lot of flexibility. The reimbursements are not taxable to the employee and are tax deductible for the employer. The most common use of an HRA is in combination with a higher deductible health plan. The employer benefits from lower premium cost of the high deductible plan, but the higher deductible cost to the employee is cushioned with employer HRA dollars that pay for some below-the-deductible expenses. More. . .

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