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Excepted Benefit HRA (EBHRA)

Tax-free reimbursements for qualified health expenses

Overview & Eligibility

The Excepted Benefit HRA (EBHRA) allows employers to contribute up to $1,800 annually to go toward reimbursement of an employee’s out-of-pocket medical expenses like copays, deductibles, dental and vision coverage, COBRA premiums, and long-term care.

EBHRA Reimbursement Limit:

$1,800 annually

How it Works

An EBHRA is permitted only if employees are offered coverage under a group health plan sponsored by the employer. Here’s how it works:

  • 1Employer establishes a reimbursement limit and qualified medical expenses
  • 2Employees pay for qualified medical expenses with an Ameriflex Debit Mastercard, or
  • 3They pay out of pocket and submit a claim form for reimbursement
  • 4Employees get reimbursed for eligible claims paid out of pocket

The Value for Employees

Save on Eligible Expenses
Save on Eligible Expenses

Employers designate which expenses are eligible. EBHRA funds can be spent on expenses such as co-pays, deductibles, dental and vision coverage, COBRA premiums, and long-term care.

Employer Funded
Employer Funded

Employers fund the EBHRA to offset rising healthcare costs and offer employees a convenient way to pay for health insurance.

Easy Spending and Account Management
Easy Spending and Account Management

Employees will receive an Ameriflex Debit Mastercard linked to their EBHRA. Employees can use their card for eligible purchases everywhere Mastercard is accepted. Account information can be securely accessed 24/7 online and through the mobile app.

The Value for Employers

Cost Savings
Cost Savings

EBHRA contributions are tax deductible. Employers get the flexibility they need to offer quality health plan coverage for their employees that is better tailored to the individual employee.

Flexible Plan Designs
Flexible Plan Designs

Employers can set up the EBHRA to reimburse employees up to $1,800 annually for expenses that may include vision insurance, dental insurance, short-term medical insurance, and eligible out-of-pocket expenses.

Expert Support
Expert Support

Healthcare is complicated. The Ameriflex Client Relationship Team is eager to answer questions and provide assistance. Our 85+ Net Promoter Score (NPS) far exceeds the healthcare average.

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