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Health expense funds

Cost savings for everyone.

Help manage rising costs

Help manage rising costs

Adding health expense funds to a benefits package can help employees save money. And employers can help lower expenses by:


  • Sharing the costs of a high-deductible health plan
  • Getting FICA and FUTA tax savings on salary reductions that occur when employees contribute

Funds for a variety of needs

Health reimbursement arrangement (HRA)*

HRAs allow employers to pass along savings to employees while still controlling costs.

Health savings account (HSA)**

HSAs are portable, able to earn interest and are eligible for rollover contributions.

Flexible spending account (FSA)

Employees put in money before taxes and can use it to pay for covered health care and dependent care expenses.

Retirement reimbursement arrangement (RRA)***

Think of this as an HRA that a business can offer employees when they retire to help them budget their health-related finances.

*HRAs are currently not available to HMO members in Illinois and Small Group members in Florida.

**HSAs are currently not available to HMO members in California and Illinois.

***RRAs are subject to employer-defined use and forfeiture rules.

Legal notices

Aetna is the brand name used for products and services provided by one or more of the Aetna group of companies, including Aetna Life Insurance Company and its affiliates (Aetna).

Health benefits and health insurance plans contain exclusions and limitations.

Also of interest: