Health Reimbursement Arrangement (HRA)

A common-sense approach for today's benefits landscape

For organizations looking to provide a higher level of company-paid health care benefits (e.g. dental, vision, dependent coverage, etc.), there is a real need to control costs. A Health Reimbursement Arrangement (HRA) is a great way to satisfy employee needs while meeting employer goals.

Paired with the right health plan, an HRA can cover more of the most common expenses people face. Because contributions are made exclusively by the employer, funds deposited into the account are not considered part of your income and therefore are not subject to income, FICA or worker’s compensation tax.

For employers, HRAs offer many advantages that address current realities:

  • Expenses only accrue when needed (as employees access care)
  • Control is maintained over the selection of covered service
  • Control is maintained over “portability” and extension of benefits to spouses, dependents, and (survivors) of deceased employees

Unlike FSAs, HRAs typically have no “use-it-or-lose it” policy. The employer can specify at the beginning of the year whether funds remaining in a participant’s HRA are either forfeited to the employer at the end of the Contract Year or whether funds can roll over and remain in the account from year to year.

ConnectYourCare helps everyone navigate the complexity.

Juggling the intricacies of benefits management and reimbursement is a challenge for employers, consultants, and individuals alike.  That’s why the first thing ConnectYourCare does is to streamline processes—automating wherever possible, along with the ability to speak to real humans when personal help is required.

Our HRAs include features that save everyone time and maximize the value of the account for employees:

Payment Card Convenience

For ease-of-use and automated record keeping, nothing compares to the convenience of a payment card.

Online and Mobile Claims Submission

Offering fast, convenient, and secure management for HRA expenses (reimbursement and record keeping) from any web browser or mobile device. ConnectYourCare processes reimbursement within a few days—with no minimum transaction amounts.

Modern, “Real-world” Tools

Helping people understand how to use the benefits program and leverage the speed of self-service reimbursements helps everyone in the process stay efficient and happy.  We offer apps and online tools that do everything from clarifying benefits and procedures, to simplifying medical expense recordkeeping for the IRS.

Superior Customer Service

Providing help when it’s needed most, our 24/7, U.S.-based customer service operation has earned “100% satisfaction” rates from employers and participants alike.

IRS Compliance Meets Practicality

When it comes to substantiating claims for eligible medical expenses, we strive to make the process as user-friendly as possible. That’s why we created ClaimsAlly, a new way of simplifying and streamlining the claims experience for HRAs.

  • Decreases the need to submit documentation for claim substantiation
  • Reduces payment card suspensions
  • Accelerates claims processing
  • Seamless and automated for participants or employers
  • Included with all HRAs at no additional cost

All of this adds up to improved HRA participant satisfaction and a reduction in administration burdens for employers.

> Learn more about ClaimsAlly

Happy Couple

Health Reimbursement Arrangements (HRA) Save You Money on Healthcare Costs

“I absolutely LOVE using the mobile app for my HRA!!! It is so easy and convenient to fill out the required information right from my smart phone. I really like how it prompts you for documentation if required, and I especially love the ability to take a photo of my receipt and upload it instantly.”

– Carrie, HRA participant and The Doe Run employee

Ready to build a better HRA for employees?

Contact Us

Or call our HRA specialists:


Need help with an existing account?

Contact HRA customer support:


Ultimate employer flexibility

“Your account your way.” Learn about some of the great HRA plan design options here.

Learn More
Account combinations to manage rising costs

Combining HRAs with other CDH programs — See this side-by-side comparison of plans and learn how you can optimize your benefits program.

Learn More

Answers to your most-asked questions on how to leverage this highly-valued benefit.

Learn More