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How to use my health reimbursement account (HRA)

Your employer puts money in your HRA for medical expenses. Learn how it works.

What’s an HRA?

A health reimbursement account (HRA) is a special account for your medical costs. Your employer provides money for your HRA, and you spend it on eligible medical expenses. The money in your HRA:

  • Is pre-tax money
  • Is not reported as income
  • Doesn’t generate interest

What makes an HRA unique?

HealthPartners insurance plans with a health reimbursement account (HRA) are special in a few ways:

  • Your employer decides the amount of money to make available each year
  • The money in your account may roll over from year to year, depending on your employer’s plan
  • Usually, if you leave your company, any money you don’t use stays with your employer

What can I spend my HRA money on?

Your employer decides what you can use your HRA money for. Generally, employers allow reimbursement only for medical expenses covered by your health plan. Think doctor visits, chiropractor fees and prescription medicine. Log on to your myHealthPartners account and click the name of your HRA to see your eligible expenses. Or call Member Services at 952-883-7000 or 866-443-9352

How do I submit an HRA claim?

Some employers have an automatic submission process. If that’s the case, HealthPartners will process your claims automatically with no action needed from you. If there’s a problem with one of your claims, we’ll contact you about it.

If your employer prefers you submit HRA claims manually, here’s what to do:

  1. Save a copy of your bill or receipt.
  2. Fill out a claim form (see options below).
  3. Submit the form and your bill or receipt.

Online: Log on to submit my claim

Smartphone or tablet: Download myHP mobile app

Mail: Print a claim form

What's the difference between HRA, HSA and FSA?

All of these accounts help you save money with tax benefits.

  • Health reimbursement account (HRA) is pre-tax money from your employer for eligible health care expenses this year. Your employer decides the amount of money in your HRA each year and what’s an eligible expense.
  • Health savings account (HSA) is pre-tax money contributed for you and your dependents’ health care expenses. Both you and your employer can contribute money to this account. Eligible withdrawals aren’t taxed and interest is earned tax-free too. Unlike other accounts, the money in your HSA is yours to keep forever.
  • Flexible spending account (FSA) is pre-tax money you contribute for medical, dental or vision costs. Typically, this money is “use it or lose it” at the end of the year. Other reimbursement accounts can help you save on things like child care or transportation.

Frequently asked questions

Find answers to your questions about HRAs.


We’re here to help. See what your employer’s plan covers by logging on to view your HRA benefits.

Or call us at 952-883-7000 or 866-443-9352, Monday – Friday, 7 a.m. to 7 p.m. CT.

Action plan

  1. Create an online account to keep track of how much money’s in your HRA.
  2. Sign up for direct deposit. You’ll get HRA reimbursements sent straight to your bank account.
  3. Save receipts for eligible expenses. Submit them for reimbursement by logging on to submit a claim.

This webpage has general HRA information. Please log on and refer to your employer’s plan document for information specific to your HRA plan.

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