Can you have a post deductible HRA and contribute to an HSA at the same time while enrolled in a HDHP?
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NO.
As noted, to open and contribute to an HSA, participants must be enrolled in a qualified HDHP, and have no other health coverage. The HRA must be integrated with a group health plan. With those two conditions met, four HRA plan types are compatible with an HSA, per IRS regulations.
Consult IRS Ruling 2004-45 for further guidance.
The key phrase I'm looking at is "medical expenses incurred after meeting the minimum annual HDHP deductible". Isn't that a guideline that is set every year? For 2024 the minimum annual deductible for a HDHP was $3,200 for a family. The IRS website says these deductibles for the HRA and HDHP DO NOT have to be the same as long as they meet the minimum annual deductible.
It depends. it is correct that the HDHP and HRA deductibles are not the same. A HRA plan pays for some health care expenses that are not paid for in a high deductible health plan thus making health care costs more manageable.
In an HRA, the deductible is $3200 for a family which is the minimum amount a family must pay out of pocket before the HRA starts reimbursing qualified medical expenses. A family uses their HRA to reimburse for medical expenses that are not normally covered by a high deductible health plan.
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