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What is a Health Reimbursement Arrangement?

A Health Reimbursement Arrangement (HRA) is an employer-funded medical reimbursement plan. An employer sets aside a specific amount of pre-tax dollars for employees to use to pay for health care expenses on an annual basis. An HRA is known as a Health Reimbursement Account (HRA) or personal care account.



HRA Benefits

  • A versatile employee benefit plan, structured by the Employer
  • Employees may use the allocated funds for a wide range of medical expenses not covered by insurance
  • Employer contributions are 100% tax deductible


HRA Requirements

  • HRA plans MUST be funded solely by the employer
  • A current Summary Plan Description (SPD)
  • A Plan document
  • The Affordable Care Act (ACA) requires a Summary of Benefits & Coverage or SBC.

EnsuredCompliance® HRA Plan Type Options

  • Retirees Only
  • Limited Purpose Only
  • Qualified Small Employer

Watch how easy it is to create an HRA document





HRA documents created on EnsuredCompliance® include both the required SPD and Plan document, are fully compliant and take minutes to create. The system also stores documents for 7 years making it easy to find and manage current and old documents.

Learn how EnsuredCompliance can help you


HRA documents are one of several different types of document types available on the EnsuredCompliance platform. Our unique solution allows you to input the required data and generate a customized fully compliant document within minutes.



"EnsuredCompliance produces a very professional branded document. Ease of use is number 1! Also, RTO's support is stellar!"

Joni Horvath

Flexible Benefits and COBRA Supervisor at J.W. Terrill

JW Terill

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