Compliance Office
What you need to know
Can I have a HRA, HSA, and FSA at the same time? If so, which one does the employer fund?
Yes, an HRA and FSA may co-exist. Employers fund the HRA and employees fund the FSA for qualified medical expenses beyond what the employer-funded HRA will pay for.
May an FSA, HRA, and HSA co-exist? Yes, all three healthcare account structures may co-exist, although there are “ordering rules” that must be followed. The employer may offer a QHDHP and establish an HSA for each of its eligible employees. The employer may also establish a post-deductible HRA to pay for qualified medical expenses beyond the IRS minimum deductible requirements. At the same time, the employer can make a limited-purpose FSA (LPFSA) available to employees, so that they can set aside tax-preferred money to pay for qualified vision and dental expenses. This triple-tier healthcare account strategy is called “healthcare account stacking”, and is an advanced CDHP solution.
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Coaches' Takeaway
Yes, all three healthcare account structures may co-exist, as long as the flexible spending account is a limited-purpose flexible spending account that can be used to pay only for dental and vision expenses. There are also healthcare account “ordering rules” that must be followed.
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Tools & Resources
CDHPCoach’s Storage Facility, where the Coach has organized and compiled a vast amount of tools and resources for you to access.
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Library
Housed here are key components and information within the book, Bend the Healthcare Trend which was the impetus behind the CDHPCoach.
Compliance Office
What you need to know