O4 Detail Hero Banner
O4 1 Column (Full)
O4 Text Component

Get what your organization needs with the most flexible plan

Your organization designs the HRA to complement your health plan. Your employees get direct and easy access to funds (from you, the employer) for eligible expenses.

You design the benefit plan

 

""

Determine the contribution amount

An HRA is entirely funded by the employer, and the organization gets tax savings on the amount they contribute.

""

Choose the eligible expenses

Choose to allow the funds to be used for all qualified medical expenses approved by the IRS or a subset of eligible qualified expenses.

""

Establish other details

The employer can automate reimbursements and allow year-to-year rollover of unused funds.

Consider health incentives

Engage your employees through an incentive program where financial rewards to the HRA are tied to the employee’s healthy actions.

O4 50-50 Content Block
O4 50-50 Content Block
O4 50-50 Content Block

Contact us

Are you a current client looking for support? Contact your account representative directly or email employerservice@of.optum.com.

Request more information
O4 Simple Cards

Complementary solutions

O4 Simple Card

Flexible Spending Accounts (FSAs)

Help your employees budget and save for qualified expenses during the benefit plan year through pre-tax contributions.

Learn about FSAs
O4 Simple Card

Lifestyle Spending Accounts

Attract and retain talent in a competitive market, connect your benefits to your culture and show you care for your employees.

Learn about accounts
O4 Simple Card

COBRA Administration

Remove complexity, save time and increase compliance with our unique administration capabilities.

Learn about COBRA