Can You Have an HRA and HSA at the Same Time? Learn About Health Savings Account Basics

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Core rule: HRAs and HSAs differ

Health Reimbursement Arrangements (HRAs) and Health Savings Accounts (HSAs) are both popular tools for managing healthcare expenses, but can you have them at the same time?

HRAs and HSAs serve different purposes, with HRAs being funded solely by the employer and HSAs being funded by both the employer and the employee. While they can't be held simultaneously, there are some scenarios where you may have both.

Health Reimbursement Arrangements (HRAs) and Health Savings Accounts (HSAs) can be important financial tools for managing your healthcare expenses. While these two accounts cannot coexist in their traditional forms, certain arrangements allow you to benefit from both.

Limited-purpose HRA plus HSA option

One option is to have a limited-purpose HRA that only covers certain medical expenses like dental and vision care while also having an HSA for broader healthcare expenses.

Post-deductible HRA alongside HSA

Employers can also offer a post-deductible HRA alongside an HSA, where the HRA kicks in after the HSA funds are depleted.