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Health Reimbursement Arrangement (HRA)

Tax-Free reimbursement for everyday health expenses

Overview & Eligibility

A health reimbursement arrangement (HRA) allows employers to reimburse employees tax-free for qualified medical expenses not covered by their health plan. An HRA is funded solely by the employer. Employees use HRA funds for qualified medical expenses using an Ameriflex Debit Mastercard or by submitting a claim for reimbursement.

HRA eligibility can differ by employer depending on their needs and plan configuration. 

Employers decide how much they will put into the HRA.

Remaining balances may roll over from year to year, depending on how the employer designs the plan.

The Value for Employees

Save on Eligible Expenses
Save on Eligible Expenses

Employees can spend HRA funds on deductibles, coinsurance, copays, prescriptions, dental services, over-the-counter medicine, and other qualifying expenses, as determined by their employer.

Employer Funded
Employer Funded

HRAs are funded by the employer to help offset out-of-pocket healthcare costs. Funds are tax-free for the employer and employee.

Easy Spending and Account Management
Easy Spending and Account Management

Employees will receive an Ameriflex Debit Mastercard linked to their HRA. 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

HRA contributions are tax deductible. Employers can even reimburse different amounts for single and family participants, as well as decide what the HRA covers, such as deductibles, copays, prescriptions, over-the-counter medications, etc.

Employee Engagement
Employee Engagement

Helping employees pay for everyday medical expenses can aid in employee retention and recruitment.

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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