Health Reimbursement Arrangement (HRA)

Get reimbursed for a portion of your and your eligible family members’ out-of-pocket qualified healthcare expenses.

Stretch your employer benefits with tax-free dollars. [You can enroll in an HRA during open enrollment or upon the occurrence of a qualifying event.]

What you need to know about an HRA

An employer-funded solution that provides you with tax-free money to help pay for a range of qualified healthcare expenses and health insurance premiums.

  • Your employer will designate up to a specific dollar amount to make available to you on a [monthly][quarterly][annual] basis, from which you can pay for or reimburse yourself for qualified expenses, tax-free
  • At the beginning of each plan year, your employer will notify you of the amount they will make available through your HRA [and on what frequency]
  • If your employer also offers a Flexible Spending Account (FSA), you can participate in both, helping you to maximize your available benefits

Expenses covered

Qualified expenses will be determined based on the type of HRA plan your employer offers1, such as:

  • Health insurance deductibles
  • Coinsurance and co-pays
  • Other expenses included in IRS Publication 502—Medical and Dental Expenses as eligible or qualified expenses.
  • Some insurance premiums

Valuable features

Accessing and using your HRA is easy and convenient.

  • Seamless enrollment process and account setup
  • Easy payments using a single, smart, multipurpose debit card that knows which of your accounts to tap into
  • 24/7/365 account access through the easy-to-use online portal and mobile app
  • Tailored educational resources and decision support tools and one-click answers to your benefits questions

Plan Details

Learn more

Enroll today

Enroll Now

1 Contribution limits are subject to change and should be checked on an annual basis on the IRS website. Limitations apply.

2 See IRS publication 15-B available at https://www.irs.gov/pub/irs-pdf/p15b.pdf for a list of qualified expenses. In addition, there may be legislation or additional publications that may modify or expand available qualified expenses. Please refer to your employers’ plan document for the latest list of qualified expenses under your plan.

Like most group benefit programs, benefit programs offered by MetLife and its affiliates contain certain exclusions, exceptions, waiting periods, reductions of benefits, limitations and terms for keeping them in force. Nothing in these materials is intended to be, nor should be construed as, advice or a recommendation for a particular situation or individual. Participants should consult with their own advisors for such advice. Federal and state laws and regulations are subject to change.