Health Reimbursement Account (HRA)

An HRA is a reimbursement account set up and funded by your employer to cover eligible healthcare expenses. Unlike a healthcare FSA where the IRS defines the eligible services, the employer defines the services eligible for reimbursement from an HRA.

Your employer contributes money each year to help you pay for eligible healthcare products and services for you and your dependents not covered by any other source. Typically, an employer will reimburse healthcare services like doctor’s office visits, hospital services and prescription drugs.

An HRA is part of your employee benefit plan that is 100 percent funded by your employer. You’ll know in advance how much money you have to spend on eligible healthcare expenses.

One of the great values of an HRA is that all or a portion of the funds remaining in your account at the end of the plan year will automatically rollover to next year's HRA plan for expenses next year.

With the HSAccess Card linked to your HRA, qualified purchases will be automatically debited from your HRA.


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