HMRA® For HRA Plan Designs

Employers are constantly battling the burden of ever-increasing, employee health care expenses. The Health Matching Reimbursement Account (HMRA®) program represents the missing piece in group plan design for employers to not only contain their health care cost increases but to actually experience dramatic savings over time. The HMRA® is “The Employer’s HRA” because it is a medical reimbursement program owned by the employer. The HMRA® plan design offers employers numerous incentives to secure and maximize additional health care savings for their organization over time that would not have been possible before.

How The HMRA® Program Works In Four Easy Steps

Step 1: Employer Enrolls Into The HMRA® Program:

The HMRA® program takes any Health Reimbursement Arrangement (HRA) plan design to the next level. The HMRA® is also the ideal complement to any employer’s HRA program because the HMRA® Program and its powerful, monthly, medical benefit match on the employer’s contribution can be used as a funding vehicle for the employer’s HRA program itself. The HMRA® benefits can be implemented by employers through a separate plan document to fund a Section 105 HRA plan design. The employer will then issue the HMRA® Medical Reimbursement Visa® Prepaid Card to all of their participating employees to pay for most of their 213(d) medical expenses up to the group member’s current HMRA® medical benefit amount at the time of each claim.

Step 2: Employer Makes Monthly HMRA® Contribution:

The employer is the owner of the HMRA® program and makes a defined, monthly contribution on behalf of all of their participating employees, which is allocated to build individual, HRA medical benefit amounts available for each participating employee that can be used to pay for most 213(d) medical expenses. The HMRA® pre-funds employee claims ahead of time into HRA accounts that earn a medical benefit match to be used by each employee that grows following each monthly, employer contribution. The medical reserves that are allocated each month into the group members’ separate HMRA® plans that are not filing medical claims will serve to help reduce an employer’s future, employee medical costs through the powerful, HMRA® monthly, medical benefit match that the employer’s HRA program is receiving each month for their employees. This medical benefit match for the employer awards them up to $2 or more in medical benefits for every $1 above and beyond what they contribute towards each employee’s individual plan each month as the program progresses.

Step 3: Medical Expense Incurred By HMRA® Plan Participant:

In order for participating employees to pay for a medical service using the employer’s HMRA® program, each employee will be issued the HMRA® Medical Reimbursement Visa® Prepaid Card that employees can swipe at their medical providers to pay for most of their 213(d) medical expenses up to their current amount of HMRA® plan medical benefits at the time of their medical claim. If, for example, an employee had a $500 HMRA® 5000 cumulative medical benefit and incurred a $1,000 qualifying medical expense, the Health Matching Account Services HMRA® Medical Reimbursement Visa® Prepaid Card would pay for the first $416 of that claim. Each individual employee plan must maintain a minimum of one month’s contribution (in this case $84). Employees will be able to view their updated amount of HMRA® medical benefits anytime either on their member portal or mobile app.

Step 4: Employer Earns Valuable Medical Reserves For Future Employee Medical Expenses:

Employers can now provide their group members with enhanced benefits through the HMRA® Program and also create opportunities for richer, employee health plans while reducing cost-sharing obligations with employees over time. This is because the rapid growth of their employee HMRA® medical benefits will serve as vital medical reserves for the future to help the employer save money over time and help them to be able to cover more and more of the most common and expensive part of their exposure to their employees’ first-dollar medical needs.


The Health Matching Account Services HMRA® Program is not health insurance.
The HMRA® Medical Reimbursement Visa® Prepaid Commercial Credit Cards are issued by Celtic Bank. Health Matching Reimbursement Accounts are a patent-protected product.
Claim cost and frequency may vary by group. Charges and fees may vary by group. This is not an illustration or a formal quote. Ask your broker for a formal quote.