Small Business Benefits

Health Reimbursement Arrangements (HRAs)

What is an HRA?

The Employer-Sponsored HRA (health reimbursement arrangement) plan designs are tax-advantaged solutions funded by employers to help employees pay for expenses eligible for reimbursement and become more engaged in their healthcare decisions.


Pair any of our self-funded major medical or limited medical benefit plan designs with one of our HRA plan designs for cash-flow control and lower costs – with the added bonus of seamlessly integrating HRA administration and claims processing. (Our HRA plan designs cannot be paired with our preventive-only plan design.)

3 important things to remember


Funded by employers

Tax advantages

Contributions are not taxed upon deposit or withdrawal to pay for expenses eligible for reimbursement.

Pairing with a health benefit plan design

Our HRA plan designs must be paired with one of our major medical or limited medical plan designs.