An individual coverage health reimbursement arrangement (ICHRA) is an employer-funded plan that reimburses employees for eligible expenses.
Health plan requirements
To participate in an ICHRA, you must purchase and maintain individual health insurance that provides minimum essential coverage.
How to get reimbursed
Submit eligible expenses via the Add Expense button or use your card for eligible expenses (if applicable). To understand what expenses are eligible, review the information below.
Eligible expenses
Benefit plan note
Card access may vary depending on your organization's unique benefit setup.
You can submit eligible expenses for reimbursement or use your card to purchase eligible expenses.
Eligible expenses resources
To identify your eligible expenses, check out “Find your eligible expenses.”
Ineligible expenses
You can't use your ICHRA for ineligible expenses. If you submit a claim for an ineligible expense, it won't be approved.
Spending limit
ICHRAs must be funded by employers; employees cannot contribute to ICHRAs. (Thanks, boss!)
Taxes
ICHRA employer contributions and employee reimbursements are not subject to federal income tax, Social Security tax, or Medicare tax.
You cannot include ICHRA reimbursed funds in your medical expenses when filing your taxes.
Ownership
ICHRA funds belong to your employer. If you leave your job, you lose access to your ICHRA.
Double dipping
You cannot submit a claim for the same expense to multiple tax-advantaged accounts. If your benefits administrator determines you've submitted duplicate claims, they will ask you to pay back the overpayment.