​​​​​A Health Reimbursement Account (HRA) 

An account funded by Broward County for employees enrolled in the High Deductible Health Plans (HDHP OON) that cannot enroll in the Health Savings Account (HSA) due to IRS regulation or elected to keep the HRA due to an existing balance that they didn't want to be frozen. 

Broward County only funds this account if you and your enrolled spouse or domestic partner complete the annual Engagement Incentive. No additional deposits can be made to this account. You can use the funds to pay for eligible out-of-pocket health care expenses for you, your spouse, and your eligible tax dependents. Eligible expenses include medical copays (for CDH), coinsurance, deductibles, prescriptions, and dental and vision expenses. Only expenses for medical or prescription apply to deductibles.

Health Reimbursement Account (HRA) is a similar account that is also used to pay for eligible healthcare expenses*. You must also be enrolled in the HDHP to receive the County's contribution. 

How is an HRA different from an HSA?

Contributions - You can NOT make contributions to this account; therefore, the account is only funded by the County. The account balances roll over each year.

Account Owner?  The County owns the HRA

Card usage - All expenses, except for prescriptions, require supporting, detailed, documentation such as an Explanation of Benefits per IRS regulations.

Who can use the card? You, and your eligible dependents covered under your health plan.

Works with an FSA — You can have both a medical Flexible Spending Account (FSA) and an HRA at the same time. This means more ways to save money! Expenses will be paid out of FSA first, HRA second.​

​The Benefits of an HRA include:

• Tax-free money — You get to use tax-free, employer-provided dollars to pay for your health care expenses.
• Works with an FSA — You can have both a health care Flexible Spending Account (FSA) and an HRA at the same time. This means more ways to save money! Expenses will be paid out of FSA first, HRA second.
• Accounts — The balance in your HRA rolls over from year to year as long as you remain enrolled in the HRA for consecutive years. The maximum account balance or rollover cap for the HRA is $20,000, regardless of the tier of coverage.
• Savings for retirement – Your balances are transferred to a Retirement Health Savings Account at ICMA upon retirement or separation from County employment.

Coordination of Benefits:

If you have an HRA and a Health Care FSA, your eligible expenses will be paid from your Health Care FSA first.  Once you use your Health Care FSA funds, your eligible expenses will be paid from your HRA.