Best Health Reimbursement Arrangement
More cost savings for you, more healthcare options for employees

Lively’s user-friendly technology, signature user experiences, and unrivaled customer service make HRAs simple to administer and easy to adopt.

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The value of an HRA

Offer your employees flexibility and savings

A Health Reimbursement Arrangement (HRA) is an employer-sponsored account that helps employees pay for qualified out-of-pocket medical costs. It helps employers offset high insurance costs while providing more for employees’ healthcare needs.

Offering HRAs has benefits for the employees that enroll and the businesses that offer them. HRAs offer employers:

Lower insurance premiums

More claims against the HRA means fewer claims filed with the insurance carrier, ultimately lowering future increases insurance premiums.

Employee reimbursements are tax-deductible for your business.

Helps to attract and retain talent with benefits for a variety of health plans and medical needs.

Lively HRAs can be extensively configured to fit your organization’s needs. Customize your contributions schedule, extension options, plan duration, and more.

Healthcare Premium Cost Growth Stat

Why Lively

Loved by account holders, trusted by employers

The Lively customer experience raises the bar in the benefit solutions industry, with Lively leading the charge in:


Exceptional customer support

Every employer is assigned to a Customer Success team, while employees have access to a top-rated Member Support team.


Innovative and proprietary technology

Built in-house and thoughtfully designed to be easy-to-use, dependable, and to personalize employer experiences.


Taking the burden off employers

Robust education and resources, crafted to continuously drive usage for employees and take the burden off administrators.

HRA offerings

Choose from a range of options

Design the HRA plan that is the best fit for your business and your people.

Standard HRA

Employees are not required to meet an HRA deductible to access funds from this HRA.

Eligible expenses can be pre-configured to cover all the standard healthcare 213(d) expenses, or be customized to cover select expenses.

The employee must meet the HRA out-of-pocket requirement (set by the employer) to access funds.

Can be configured to cover copays, co-insurance, and expenses that count towards the medical insurance deductible; or, standard healthcare 213(d) expenses.

This HRA design does not have an HRA out-of-pocket requirement in order to access funds.

Covers out-of-pocket vision and dental expenses such as vision exams, prescription glasses, routine dental cleanings, and more.

Lively Products -  FSA, HRA, COBRA, LSA, MTA

Features & benefits

The Lively HRA experience

Simplify administration and help each plan reach its maximum potential.

Lively HRA Mobile App

Health Reimbursement Arrangement administration made easy

  • View a single snapshot of important HRA details and easily manage enrollment, allocations, and more, on Lively’s intuitive admin platform. Plus, export the data for robust reporting.

  • Trust Lively’s proven track record of reducing employee inquiries and driving adoption with user education, built-in user guidance, and timely notices.

  • Keep your business compliant with legally vetted HRA plan designs and claim verification processes.

  • Choose from a wide range of plan configurations to design a just-right HRA program. Customize your plan name, eligible expenses, deductible, allocations schedule and more.

  • Lean on expert guidance from your assigned Customer Success Team, here for you year-round, starting with hands-on onboarding.

  • Employees enjoy a paperless, simple claims verification process with fast reimbursements. Plus, they can easily access funds from their HRA and FSA with the Lively Visa® Benefit Access debit card.*

  • Smart features that automatically approve qualified recurring payments, purchases at select merchants, and co-payments.

*Available for Standard HRA plans with a non-customized list of eligible expenses.

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Lively's HRA Guide

Learn the basics and benefits of HRAs in our comprehensive guide.



What is a Standard or Integrated HRA?

What they are, their benefits, and who is eligible.



HRAs and a complete benefits package

How an HRA complements a flexible benefits bundle.


Contact our sales team

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Frequently Asked Questions (FAQs)

What is an HRA?

There are several types of HRAs available with varying eligibility requirements and use purposes. Employers will choose what type of HRA they want to offer to employees. The most commonly offered HRAs are Standard HRAs and Post-Deductible HRAs, which are employer-sponsored accounts offered to help employees pay for qualified out-of-pocket healthcare costs.

While HSAs and HRAs are both used to cover out-of-pocket healthcare expenses, there are some key differences to note. Unlike an HRA, an HSA is owned by the individual, not the employer. This means HSAs can be funded by the employee as well as the employer, where HRAs only permit employer contributions to fund the account. Additionally, HSA funds never expire, so employees can take the funds with them even if they leave their employer or change medical insurance. HRA funds generally expire at the end of the plan year and are not portable. Another key difference is that HSA funds can be invested for growing potential and the funds in the account accrue interest. In contrast, HRA plans do not allow the same.

Yes, some HRAs can be designed to allow funds to rollover as well as a runout period. However, it is up to the employer sponsoring the HRA to decide what year-end extension options will be available for the type of HRA they offer.

Eligible expenses for an HRA will vary on the type of HRA offered by your employer. For example, Standard HRAs cover out-of-pocket healthcare expenses that are not covered by your insurance, per the standard 213(d) IRS list. This includes coverage for medical, dental, and vision expenses; prescriptions, and select over-the-counter products. A Dental and Vision HRA will only cover vision and dental expenses such as dental exams, cleanings, eyeglasses, laser eye surgery, etc. Because HRAs can be customized by your employer, the list of eligible expenses will vary per employer.

As an employer-sponsored account, your employer will let you know how your HRA will be set up for employees at your organization. If you have an HRA provider like Lively, getting started is easy. Your employer will first confirm that you qualify for an HRA, enroll you, and then you will have access to manage your HRA via your Lively HRA account online.

An employer’s reasons for offering an HRA will likely vary on the type of HRA they choose to offer. In the case of Standard HRAs or Post-Deductible HRAs, employers offer these HRAs to improve their benefits package for retaining and attracting employees. Employees are interested in these types of HRAs because it’s essentially “free” money from the employer to help with eligible out-of-pocket healthcare costs. Plus, the funds received are not subject to income tax.