Excepted Benefit Health Reimbursement Account (EBHRA)

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Give your employees the control and flexibility they need to combat the rising costs of healthcare.

The Excepted Benefit HRA (EBHRA) allows employers to contribute up to $1,800 annually to go toward reimbursement of an employee’s out-of-pocket medical expenses like co-pays, deductibles, dental and vision coverage, COBRA premiums, and long-term care. Unlike the ICHRA, the EBHRA can not be used to reimburse individual health insurance premiums.

How does it work?

  1. Employer establishes a reimbursement limit and qualified medical expenses
  2. Employees pay for qualified medical expenses with an Ameriflex card, or
  3. They pay out of pocket and submit a claim form for reimbursement
  4. Employees get reimbursed for eligible claims paid out of pocket

Items to note:

  • The EBHRA must not be an integral part of the plan
  • Provided benefits must be limited in amount
  • The EBHRA cannot provide reimbursement for premiums for certain health insurance coverage
  • Employers can establish different employee classes and offer the EBHRA to one class of employees and a QSEHRA to another class.
  • The EBHRA must be available under the same terms to all similarly situated individuals
Learn more about the EBHRA.

Multiple, easy-to-use options for access and account management of your employees’ HRA funds.

Quickly and conveniently pay for eligible expenses, without the hassle of filing a manual claim. With the MyAmeriflex Card, participants can access their HRA funds instantly when they swipe their card at eligible merchants. In most cases, this eliminates the hassle of having to verify the eligibility of an expense later on.

Convenience and award winning customer-service – right at your fingertips! With the MyAmeriflex Mobile App, participants can access their account from anywhere. Check balances, file a claim, or check on the status of a reimbursement, all from their mobile phone.

Account management just got easier. By logging into MyAmeriflex, participants can gain access to resources aimed at helping them maximize the value of their HRA plan. In addition to managing all aspects of their accounts, they can also access interactive how-to’s, spending calculators, and more.

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