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What to know about the new proposed HRA rules

In late October, the Federal Government issued proposed rules that would expand access to health reimbursement arrangements (HRAs). It would reverse previous rulings that restrict large employers and give them more options to offer HRAs to their employees.

What’s the skinny?

Employers could offer two new types of HRAs.

  1. Individual Integrated HRA (IHRA): must be used by the employee to purchase individual health insurance coverage
  2. Excepted Benefits HRA (EBHRA): may be used for the purchase of excepted benefits and short-term limited duration plans (STLDI), limited to $1,800 annually

The proposed effective date is for plan years beginning on or after Jan. 1, 2020. Once the rules are finalized, the government will provide an official effective date. Employees being offered an IHRA would have a special enrollment right.

What are the rules for an IHRA?

What are the rules for an EBHRA?

We’re here to help

We’ll keep you updated on the progress and evolution of HRA rules and the solutions HealthPartners will offer.

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