An HRAA financial vehicle in which a member may be reimbursed for covered health expenses by his or her employer, up to a certain annual amount. Some employers allow employees to carry HRA balances over from one year to the next, however, most HRA balances are not portable, they revert to the company if the employee terminates his or her health coverage or employment. 
is an employer-funded account that you can use to pay for certain medical expenses.
About Your HRA
An HRA is like a savings account funded by your employer. You can use it to pay for qualified health care expenses, such as copaymentsThe amount that a plan member must pay the provider at the time of service. Also called a copay, this amount varies depending on the specifics of a given health plan contract. or costs that count toward your deductibleThe dollar amount that a member must pay for health care services before a health plan will cover eligible services. For example, if a member's deductible is $500, the member will pay that amount, out of pocket, before the health plan will cover any eligible services. .
- Your employer controls the money in your HRA
- If you change jobs, your account does not go with you
- Your employer determines whether any unused funds roll over from year to year
For specific information about your HRA, check your HRA Administrator or speak with your employer.
Funding Your HRA
The HRA may only be funded by your employer; your employer controls the account. You can only use the account as long as you work for your employer, and your employer will determine whether any unused funds can roll over from year to year.
Using Your HRA
You can use the money in an HRA for qualified health care expenses, which can include:
- Copayments for health care provider visits and prescriptions
- Medical and prescriptionA drug that has been approved by the Federal Food and Drug Administration as dispensable only with a licensed physician's prescription. costs that count toward your deductible
- Any applicable co-insuranceThe portion of eligible expenses that plan members are responsible for paying, most often after the deductible is met. Co-insurance is usually determined as a percentage of the total provider's actual charge, or the allowed amount.
Specific rules for HRAs determined by your employer. Check with your HRA administrator or employer to find out the specifics of what you can use your HRA funds for.
HRA Administrator
Blue Cross Blue Shield of Massachusetts works with several companies to administer HRAs. If your employer offers you access to an HRA, you can follow the links below to get more information or sign into your account. If you are unsure which administrator you have, check with your employer.
