What is a Health Reimbursement Arrangement?

A health reimbursement arrangement (HRA) is a plan designed to help employees manage the rising costs of health care by allowing them to pay for qualified medical expenses with money set aside in an account funded by the employer. Think of it as a personal savings account for medical expenses.

Employers set aside money on a pre-tax basis – this means as long as employees use the money for qualified expenses, they won’t pay income taxes on it. 


Help Your Employees Take Control of Health Care Costs

Employees use money in an HRA to pay for out-of-pocket medical expenses. The example below show's Jane's employer contributing $1,000 per year to her HRA.  



How Does it Work?

Participating in a Surency AdvantagePlus HRA is easy.

1.    Employers contribute a specified amount to each employee's account each year. The money may be deposited in increments or in one lump sum.

2.    When an employee is ready to use the money in his/her HRA for a qualified medical expense, he/she just swipes their Surency AdvantagePlus Benefits Card.  

3.    The benefits administrator determines if funds roll over at the end of each year. If rollover is not available, employees must use the funds in their HRA by the end of the year.


Types of HRAs Offered:

  • Comprehensive
  • Post Deductible Only
  • Retirement Only
  • Premium Reimbursement
  • Bridge Deductible
  • Limited Purpose
  • Shared Deductible Coinsurance


Why Surency?

We understand employees may be hesitant to set aside funds pre-tax to use at a later date for approved expenses. We've mapped out every aspect of the consumer experience down to the smallest detail to ensure employees understand the benefit - guaranteeing a positive experience for both employees and employer. 


Take a peek at two pieces of our custom employee communications. View a list of qualified medical expenses or use our Election Worksheet to estimate health care costs.


Want to Learn More?

Contact our Sales and Marketing team at 316.264.8413 or email

The savings amounts in the example above are provided by Surency for illustrative purposes only. You may save more or less based on your own tax situation. Some states do not recognize these tax exclusions for this program. No part of this website is tax, financial or legal advice. You should consult your own legal and tax advisers regarding your personal situation and whether this is the right program for you.