Health Reimbursement Account (HRA)
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The HRA is available if you enroll in the PPO Plan. UofL contributes a set amount (based on coverage tier) to the HRA. Once you enroll in the PPO Plan, you will receive a debit card through Optum Financial that is tied to your account. You may use this debit card to cover eligible medical and prescription expenses. If you don’t use all your HRA dollars on eligible medical or prescription expenses, the remaining balance rolls over to the next plan year (up to allowed maximum) if you stay enrolled in the PPO Plan. You can never have more than two times your annual allowance in the HRA. If you already have an Optum card, your HSA funds will load onto to that card on January 1, 2026.
Contributing to the HRA
Only UofL will contribute a set amount (based on coverage tier) to your HRA. You will not have the option to make personal contributions.
Please Note: For medical and prescription drug expenses, the Optum debit card will first pull from the HRA and then the Health Care FSA.
Contact Optum
Customer Service: 866-860-7260
Website: Optum
Mobile App: Optum Mobile App
What About Existing HRA Balance?
If you have an HRA balance in 2025 and you enroll in the PPO plan for 2026, 1x your annual allowance of $500 (employee only), $1,000 (employee + spouse/qa) or $2,000 (employee + children or employee + family) will rollover in 2026. If you elect the CDHP or the ULH plan, you will forfeit your 2025 HRA balance.