Health Reimbursement Arrangements

What is a Health Reimbursement Arrangement?

A Health Reimbursement Arrangement (HRA) allows employers to reimburse employees tax-free for qualified medical expenses that may not be covered by their health plan.

HRA's are an employer-funded solution and are highly customizable.

Employers: Why Offer an HRA?

Tax Savings

Employee Satisfaction

Compliance Support

Convenient, flexible platform with with advanced reporting. Create a compliant plan and engagement strategy tailored for your needs.

Help your employees pay various qualified healthcare expenses while educating them on how to value and use their benefits year-round.

Reduce business taxes and reallocate those dollars to a benefit that improves your employees' lives.

Custom Plan Designs

Reimburse different amounts for members and dependents. Reimburse deductibles, copays, prescriptions, etc. Restrict, refill, rollover? You decide.

Employees: Why Enroll in an HRA?

Tax-Free Income

Pay for Eligible Expenses

Easily Spend & Manage Funds

With the ZyneraHealth virtual wallet and debit Mastercard®, employees can use their account to make eligible purchases online and at locations that accept Mastercard®.

Use HRA funds to pay for qualifying healthcare expenses such as deductibles, coinsurance, copays, prescriptions, dental services, vision services, and over-the-counter medication.

Reimbursement dollars are employer-funded and not taxable income.

Alternate HRA Uses

Spousal Incentive HRA

Retiree HRA

Medicare

A retiree health reimbursement arrangement (RHRA) is an employer-funded account designed to help retired employees pay for plan-eligible medical expenses during retirement, including individual health insurance and Medicare premiums.

An employer can use an HRA to reimburse Medicare premiums. Small employers (< 50 employees) can use a QSEHRA to reimburse Medicare premiums. Large employers can use an ICHRA to reimburse Medicare premiums.

A Spousal Reimbursement HRA reimburses employees' qualified medical expenses who are enrolled in their spouse’s plan. This HRA incentivize employees to enroll in their spouse’s plans instead of their Employer’s plan.

Other HRA Types