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What are Health Reimbursement Arrangements (HRA)? 

A better medical plan, at lower costs…

Health Reimbursement Arrangements (HRA) are catching on, for many good reasons. HRAs provide better and more flexible benefits to the employee with the ability for employers to reduce health insurance costs.

An HRA is an IRS approved (section 105) tax-favored benefit that reimburses employees for qualified medical care expenses not reimbursed by an employer's health plan such as deductibles.

A HRA account can be combined with a Health Flexible Spending Account (FSA). The reimbursements of qualified medical expenses are tax free! This saves the employer and employee taxes.

Health Reimbursement Arrangements (HRA): 

  • Reimburses the employee for medical care expenses 
  • Reimbursements are up to the maximum dollar amount for over a prescribed period of time (usually one year). 
  • The HRA plan can be customized to each individual company. 
  • Reimbursements can be designed as a % of the total amount to be reimbursed, sharing the costs with the employee. 
  • Any deductible amount can be designed in the plan. As a first, second, third or fourth tier in the plan.

Employer Benefits include: 

  1. When coupled with a higher medical insurance deductible, an HRA plan can significantly lower insurance costs. 
  2. Administrative costs are tax deductible - can be paid for entirely by the employer, or the employees, or you can share the costs with your employees. 
  3. Balances can be rolled forward each year and retained by the employer. 
  4. Works well with FSA plans.

Employee Benefits include: 

  1. Reimbursements of qualified medical expenses are not taxed. 
  2. Employee finally has access to medical expenses that have typically not been covered by traditional medical insurance plans.

DRAS, Ltd., can design implement and administer your HRA plan, providing you with the necessary detailed reports.

To learn more, contact Ann Crouse at (937)428-1046 or 800-518-8811, or Email: admin@directreimbursement.com


Administrative Office
Direct Reimbursement, Adm., Services, Ltd.
P.O. Box 292455
Kettering, OH 45429
Tel: 937/428-1046
Fax: 937/428-4831
email: admin@DirectReimbursement.com

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