Who controls the funds in a health reimbursement account (HRA)?

Your employer controls the funds in your health reimbursement account (HRA) in a number of ways.
  • Your employer sets up your HRA.
  • Your employer determines which medical expenses can qualify for payment with HRA funds (within parameters set by the Internal Revenue Service).
  • Your employer makes contributions to your HRA and only your employer can fund your HRA.
While your employer funds and owns your HRA, you can use the money in it tax-free for paying for qualifying medical expenses, such as deductibles and coinsurance. Some HRAs include a debit card that you can use at the point of purchase to pay for medical supplies and services. Other HRAs require that you pay up front for the services or products and the fund will reimburse you for those costs.

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Important: This content reflects information from various individuals and organizations and may offer alternative or opposing points of view. It should not be used for medical advice, diagnosis or treatment. As always, you should consult with your healthcare provider about your specific health needs.