HRA administration, simplified.

A health reimbursement arrangement is an employer-funded benefit that reimburses employees for eligible healthcare expenses. Unlike an HSA or FSA, employees do not contribute to an HRA — the employer funds the account entirely. Employers control how much they contribute, which expenses qualify, and how the plan is structured. HRAs are administered through a benefits platform like WEX and can be paired with a variety of health plan designs.

WEX supports six HRA types. A 213(d) HRA covers the full range of IRS Section 213(d) eligible expenses. A deductible HRA reimburses employees for qualifying expenses up to the deductible. A one threshold HRA releases funds after a predetermined reimbursement threshold is met. An individual coverage HRA (ICHRA) funds employees’ individually purchased health insurance. A qualified small employer HRA (QSEHRA) provides tax-free funds to employees at businesses that don’t offer group coverage. An excepted benefit HRA (EBHRA) allows employers who do offer a group plan to set aside additional funds per employee for supplemental eligible expenses.

HRAs are funded entirely by the employer — employees make no contributions. HSAs are owned by the employee and can be funded by both the employee and employer, but require enrollment in a qualifying high-deductible health plan. FSAs are funded primarily through employee pre-tax payroll contributions with optional employer contributions. HRAs give employers the most control over plan design and cost; HSAs give employees the most long-term portability; FSAs offer a straightforward pre-tax savings vehicle. WEX supports all three account types on one platform.

Yes, in certain combinations. WEX supports stacked accounts — participants enrolled in both an HRA and FSA receive a single benefits card that automatically pulls from the correct account at the correct percentage. The specific pairing depends on HRA and FSA type; for example, a limited FSA can be paired with a general-purpose HRA in many plan designs.

WEX uses an intelligent carryover process that makes current plan-year funds available on day one while processing prior-year carryover simultaneously — in a single purse. This removes year-end reconciliation work for administrators and eliminates participant confusion about which year’s funds are being used.

Participants submit claims and supporting documentation — including EOBs where required — through the WEX mobile app or online account. Mobile submission reduces the back-and-forth between participants and HR around claim status and eligible expenses, and faster submission means faster reimbursement.

WEX integrates with 350+ payroll, HRIS, and benefits administration partners, as well as 225+ insurance carriers. This means WEX connects to the systems your organization already uses — reducing manual data entry and eliminating the need for duplicate vendor relationships.

WEX supports the full range of HRA account types — from 213(d) and deductible HRAs to ICHRA, QSEHRA, and EBHRA — within a single unified benefits platform. That means employers aren’t managing different vendors for different account types, and participants manage everything through one account, one app, and one benefits card. WEX is a publicly traded company (NYSE: WEX) with 40 years of stability and nearly 60% Fortune 1000 adoption.