Skip to main content
Support Get started

HRA administration, simplified.

HRA administration comes with real variation — different account types, reimbursement rules, eligibility considerations, and plan design choices that shift by employer and HRA structure. WEX brings it all into one platform, with flexible reimbursement support, claims capabilities, and a participant experience that makes the benefit easier to use and easier to manage.

Built for every team
that touches HRA benefits

HR & Benefits
Leaders

One platform. Less fragmentation. Manage HRA benefits — including plan configuration, participant accounts, reimbursement processing, and reporting — without stitching together point solutions. With integrations across 350+ payroll, HRIS, and benefits administration partners, WEX works with the systems your team already uses.

CHROs &
People Leaders

A benefit employees can’t navigate isn’t a benefit — it’s a source of frustration. WEX makes HRA reimbursements easier to understand and act on, with mobile claims submission, clear eligible expense guidance, and a participant experience designed to reduce confusion and increase actual use.

CFOs &
Finance Leaders

HRAs give employers direct control over how much they fund and what expenses qualify — but that control only works when the administration behind it is reliable. WEX reduces the operational complexity that drives unplanned cost, consolidates vendors, and brings predictability to a benefit that too often lives outside of forecast.

Brokers &
Consultants

Recommend HRA administration you can stand behind. WEX’s platform depth, flexible plan design support, the of stability of a publicly traded company (NYSE: WEX) mean fewer implementation surprises, fewer service escalations, and stronger long-term client relationships.

Every HRA type your
workforce may need

HRA eligibility, covered expenses, funding availability, and carryover rules vary by account type and by employer plan design.
WEX supports the full range of HRA structures so employers can offer the right reimbursement model for every workforce, without adding administrative complexity.

HRA compliance

213(d) HRA: the broadest reimbursement coverage

An employer-funded account that gives participants access to reimbursement for the full range of eligible 213(d) medical expenses — one of the most flexible HRA structures available.

  • Covers any IRS Section 213(d) eligible expense, including medical, dental, vision, and prescription costs
  • Employer-funded, with no employee contribution required
  • Plan design flexibility allows employers to customize funding levels and eligible expense categories

Deductible HRA: support when employees need it most

Helps employees cover deductible costs using employer-funded dollars — reducing the financial friction of high-deductible health plans while keeping employer cost predictable.

  • Participants submit EOBs for reimbursement of qualifying expenses up to the employer-defined amount
  • Pairs naturally with HDHPs to reduce employee out-of-pocket exposure at the deductible
  • Employer controls funding level and reimbursement rules for cost predictability
National Financial Awareness Day 2026: Why fraud prevention is part of financial literacy

One Threshold HRA: structured reimbursement with a purpose

Participants submit EOBs for reimbursement after a predetermined threshold is reached — giving employers a structured way to fund healthcare support at the right point in the plan year.

  • Reimbursement is triggered after a defined threshold, giving employers control over when funds become available
  • Participants submit EOBs to access employer-funded dollars once the threshold is met
  • Useful for employers who want to support higher out-of-pocket costs without open-ended reimbursement exposure

ICHRA: employer-funded individual coverage support

An individual coverage HRA lets employers fund employees’ individually purchased health insurance rather than offering group coverage — giving both sides more flexibility in how healthcare is delivered and paid for.

  • Employees use employer-funded dollars to purchase individual health insurance and cover eligible expenses
  • Gives employers a defined-contribution approach to healthcare with no group plan required
  • Participants manage reimbursements through the same WEX account and mobile experience as other benefit accounts
Basics of an ICHRA
Small business boss standing at the head of the table, with her employees listening to her.

QSEHRA: healthcare support built for small employers

A qualified small employer HRA lets businesses that don’t offer group health coverage provide tax-free funds to employees for eligible expenses — a practical option for smaller organizations.

  • Employers provide pre-tax funds employees can use for eligible medical expenses and individual insurance premiums
  • Designed for employers who do not offer a group health plan
  • Annual contribution limits set by the IRS; WEX manages administration within those parameters

EBHRA: supplemental coverage, simply administered

An excepted benefit HRA lets employers who offer a group health plan set aside additional funds per employee each year for supplemental eligible expenses — without affecting group plan eligibility.

  • Available to employers who already offer a group health plan; does not affect group plan participation
  • IRS sets the annual per-employee contribution limit; WEX handles the administration
  • Participants access funds through the same WEX account used for other benefit accounts
The Benefits of Automating Your Accounts Payable Process
0M
benefits SaaS accounts*

(*Represents Q2 2026 average)

0%
of Fortune 100 companies served by WEX

in 2025

0+
years of experience in the benefits space by WEX and predecessors

Built for the details that make reimbursements work

Carryover mechanics, stacked benefits card support, claims experience, and ecosystem integrations — WEX handles the plan-level details that create friction for administrators and confusion for participants, so neither group has to think about them.

Intelligent Carryover

WEX makes current plan-year HRA funds available on day one while simultaneously processing carryover from the prior year — in a single purse. Administrators avoid manual reconciliation at year-end, and participants experience a seamless transition without needing to track two separate balances.

Stacked Benefits Card

Participants enrolled in both an HRA and FSA get a single benefits card that automatically pulls from the right account at the right percentage — no manual allocation, no participant confusion about which account is being charged.

Mobile Claims Submission

Participants submit reimbursement claims and supporting documentation directly from the WEX mobile app. Faster submission means faster reimbursement — and fewer questions routed back to HR about claim status or eligible expenses.

Advanced Analytics

Plan administrators access reporting that surfaces employee utilization patterns, reimbursement trends, and benefit effectiveness data — so benefits decisions are backed by actual plan behavior, not assumptions.

Ecosystem Integrations

With connections to payroll, HRIS, and benefits administration partners and insurance carriers, WEX fits into existing workflows. Less fragmentation for administrators. Less duplication for IT. Less vendor management overhead for everyone.

Learn how WEX can fuel your business growth

Subscribe to our Benefits Buzz blog and podcast

Frequently Asked Questions

Direct answers to the questions HR teams, finance leaders, and brokers ask most about health reimbursement arrangements — and how WEX makes them easier to offer and manage.

The information in this page is for educational purposes only. It is not legal or tax advice. For legal or tax advice, you should consult your own counsel.