Health Expense Funds

Control how you save and spend your health care dollars

Available through employer provided health benefits and health insurance plans only. Not available for individual purchase.

These options are all about putting you in control. Some can help you pay for certain eligible medical and health costs. Others cover things like dependent care. Your employer may offer one or all of the following:

Health Savings Account (HSA)*

  • Put money from your paycheck into your HSA before taxes.
  • Use the money to pay for your deductible, the amount you pay for covered services before your health plan begins to pay.
  • Put money away for future expenses and earn interest.
  • Roll over the money in your account from year to year and let it grow.
  • Keep the account even if you change jobs or health plans.
  • Use our HSA Savings Calculation Tool to estimate how much you can save.

Health Reimbursement Arrangement (HRA)**

  • Only your employer can put money into your HRA fund.
  • Use the fund to pay for covered services that are eligible under your health plan.
  • Leftover dollars may be carried over from year to year
  • But if you change employers or health plans, you can't take the fund with you.

Flexible Spending Accounts (FSA)

  • Put in money from your paycheck before taxes.
  • Use the money to pay for covered health care and dependent care expenses.
  • Pay for eligible parking and transit expenses for getting to work.
  • Leftover money is lost if you don't use it by the end of the plan year.

Learn how to use an FSA account to cut your taxes and manage your health spending.

Do you have an expense fund through your employer or organization? Log in to your secure member site to manage your fund.

* HSAs are currently not available to HMO members in CA and IL

** HRAs are currently not available to HMO members in IL and Small Group members in FL.

Health benefits and health insurance plans are offered and/or underwritten by Aetna Health Inc., Aetna Health of California Inc., Aetna Health Insurance Company of New York, Aetna Health Insurance Company and/or Aetna Life Insurance Company (Aetna).  In Florida, by Aetna Health Inc.  In Maryland, by Aetna Health Inc., 151 Farmington Avenue, Hartford, CT 06156.  Each insurer has sole financial responsibility for its own products.

This material is for information only.  Health benefits and health insurance plans contain exclusions and limitations. See plan documents for a complete description of benefits, exclusions, limitations and conditions of coverage.  Plan features and availability may vary by location and are subject to change.  Investment services are independently offered through JPMorgan Institutional Investors, Inc., a subsidiary of JPMorgan Chase Bank.  Aetna HealthFund HRAs are subject to employer-defined use and forfeiture rules and are unfunded liabilities of your employer.  Fund balances are not vested benefits.  Information is believed to be accurate as of the production date; however, they are subject to change.

Policy forms issued in OK include:  HMO OK COC-5 09/07, HMO/OK GA-3 11/01, HMO OK POS RIDER 08/07, GR-23 and/or GR-29/GR-29N.


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