Tax-advantaged accounts
HRA (Health Reimbursement Arrangement)
An employer-funded account that reimburses employees tax-free for qualified medical expenses. Unlike HSAs and FSAs, employees do not contribute. Multiple HRA variants exist (ICHRA, QSEHRA, integrated HRA, EBHRA, GCHRA), each with different rules.Last reviewed: · TMRW Benefits is a benefits brokerage, not a tax or legal advisor. Consult a CPA or attorney for situation-specific guidance.
Related terms
ICHRA (Individual Coverage HRA)
Employer reimburses for individual insurance. No size limits.
Read definitionQSEHRA (Qualified Small Employer HRA)
HRA for under-50-FTE employers without group health.
Read definitionEBHRA (Excepted Benefit HRA)
Limited supplemental HRA. Low annual cap.
Read definitionGCHRA / Integrated HRA
Group-coverage HRA supplementing a traditional group plan.
Read definitionMore in Tax-advantaged accounts
HSA (Health Savings Account)
Triple-tax-advantaged. Pairs with HDHP. Rolls over.
FSA (Flexible Spending Account)
Pre-tax employer account. Use it or lose it.
Limited-purpose FSA
FSA for dental and vision only. HSA-compatible.
Dependent Care FSA (DCFSA)
Pre-tax account for childcare or eldercare expenses.
ICHRA (Individual Coverage HRA)
Employer reimburses for individual insurance. No size limits.
QSEHRA (Qualified Small Employer HRA)
HRA for under-50-FTE employers without group health.
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