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Health Reimbursement Arrangement Information Packet

Health Reimbursement Arrangement Information Packet 2025

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The document is an information packet for participants of a Health Reimbursement Arrangement (HRA) provided by American Fidelity. It outlines how the HRA works, eligible expenses for reimbursement, important claims submission procedures, and options available upon employment termination. The packet includes details on filing claims, checking account balances, direct deposit options, and privacy practices under HIPAA. It aims to assist participants in effectively managing their HRA accounts throughout the plan year.

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Got questions?

We have answers to the most popular questions from our customers. If you can't find an answer to your question, please contact us.

How does an HRA affect my taxes?

HRA reimbursements are generally not taxable. The IRS generally does not tax reimbursements employees receive from an HRA. An exception is when employers reimburse non-medical expenses.

Are HRAs a good idea?

Based on the plan design, HRAs can generate significant savings in overall health benefits. HRAs may be designed in many fashions to suit the specific needs of the employer and employees. It is one of the most flexible types of employee benefit plans, making it very attractive to most employers.

What are the negatives of HRA?

Disadvantages: Non-Transferable Funds: Employers retain unused funds when an employee leaves. Contribution Limits: Annual contribution limits may restrict the amount employers can provide. Group Plan Compatibility: Employees might prefer existing group plans, potentially limiting QSEHRA adoption.

What is required in the HRA plan document?

Formal HRA plan documents should contain each of the following: Name of the HRA plan document administrator. Designation of any named fiduciaries other than the HRA plan administrator under the claims procedure for deciding benefit appeals and their responsibilities. A description of the HRA benefits provided.

What is a health reimbursement arrangement?

Health Reimbursement Arrangements (HRAs) are account-based health plans that employers can offer to their employees. They reimburse employees for their medical expenses.

Who benefits from an HRA?

An HRA is an arrangement between an employer and an employee, allowing them to reimburse employees for eligible medical expenses, which can include insurance premiums, depending on the plan. An HRA is a portable account that an employee owns and keeps with them even after they leave an organization.

What are the IRS rules on health reimbursement accounts?

An HRA must receive contributions from the employer only. Employees may not contribute. Contributions arent includible in income. Reimbursements from an HRA that are used to pay qualified medical expenses arent taxed.

What is the downside of HRA?

If you leave the company or the job is terminated, the HRA money does not go with you. No Standardization Plan flexibility may be great for employers, but if your new employer offers different reimbursement rules than your previous one, it could be confusing.

Health Reimbursement Arrangement Information Packet 2025

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