Money & Protection

Health Reimbursement Account

Overview

A Health Reimbursement Account (HRA) is a tax-advantaged account that helps you save money on health care expenses. It’s available if you enroll in the Cigna HRA Plan or the Kaiser Permanente $2,000 HRA Plan.

How It Works

1

AEO opens your account

AEO will automatically set up your HRA if you enroll in an HRA medical plan.
2

AEO adds money to your account

AEO will add money within four weeks of your enrollment. You’ll receive the full amount for the year up front.

Only AEO can make contributions to your HRA account; you can’t add funds of your own.
3

You pay for health care expenses

You’ll receive a debit card to use for eligible health care expenses. (If you’re already enrolled in an HRA plan, you can keep using the same debit card.) Make sure you keep your receipts in case you need to verify a purchase.

Who Manages the Account?

Cigna HRA Plan: Access your account through your myCigna.com account or mobile app.

Kaiser Permanente $2,000 HRA Plan: Access your account at kp.org/healthpayment or the KP Balance Tracker app.

Contributions From AEO

Individual Coverage

AEO contributes $500 to your HRA.

Family Coverage

AEO contributes $1,000 to your HRA.

Eligible Expenses

Eligible expenses include:

Medical deductibles, copays and coinsurance
Vision expenses (note: You must submit a reimbursement form for vision expenses)
Dental deductibles, copays and coinsurance
Prescription drugs

Whose Expenses Are Eligible?

You can use your HRA account to pay for eligible expenses for dependents who are enrolled in the HRA plan.

For a full list of eligible expenses, visit myCigna.com or kp.org/healthpayment.

Fast Facts

TAX ADVANTAGE

Your HRA funds are not counted as taxable income.

Two Ways to Pay

Debit card — Activate the debit card that you’ll receive in the mail.

Pay out of pocket — Fill out a reimbursement form online.

Important Deadline

You must submit expenses by the end of the plan year (December 31, 2025).

BALANCES & MAXIMUMS

Your balance will roll over from year to year as long as you remain enrolled in an HRA medical plan. Your balance is capped at $2,500 for individual coverage or $5,000 for family coverage.

IT’S YOURS WHILE YOU’RE ENROLLED IN AN HRA MEDICAL PLAN

You keep your balance as long as you are enrolled in an HRA medical plan at AEO. If you leave the HRA medical plan or leave AEO, you forfeit the balance in your HRA account.

FAQs

Can I add money to my HRA?

No. Due to IRS regulations, only an employer can contribute to an HRA.

Does my HRA balance roll over?

Your balance will roll over from year to year as long as you remain enrolled in an HRA medical plan. Your balance is capped at $2,500 for individual coverage or $5,000 for family coverage.

What happens to the money in my HRA account if I switch medical plans or leave AEO?

If you leave the HRA medical plan or leave AEO, you forfeit the balance in your HRA account.

How much does AEO contribute to the HRA?

$500 for individual coverage
$1,000 for family coverage

Looking for a Comparison Between HSAs, HRAs, and FSAs?

We’ve got you covered.

View the HSA, HRA, and FSA Comparison Chart.

Find A Provider

myCigna.com

Cigna HRA Plan

kp.org/healthpayment

Kaiser Permanente $2,000 HRA Plan