The YourWay HRA is the flexible, triple tax-advantaged health benefit solution for leaders, educators, & advocates like you.
Contributions, coverage, & compensation.
The YourWay HRA is a savings vehicle designed to help cover out-of-pocket medical expenses now and in the future. All dollars that flow through our Funded HRA— regardless of Plan Design or Funding Source—are triple tax-advantaged. No tax when funds are contributed, invested, or used. This can result in over 50% combined tax savings for you and your district!
HRA Plan Designs
- Integrated HRA (integrated with group health plan)
- Post-Separation HRA (for full use after employment)
- Post-Separation Premium Only HRA (for retiree premiums only)
- Limited HRA (for dental, vision, and long-term care)
- And many more variations that can include vesting
HRA Funding Sources
- Employer, flat-dollar contributions
- Mandatory group salary reductions
- Sick, vacation, or PTO cashouts
- Wellness incentives
- Excess or leftover benefit dollars
- Embedded contributions based on health plan selection.
- Early retirement incentive
- Employer-sponsored medical plan opt-out
- Diversion on tax-deferred contributions
Premium service, innovative technology, & positive experiences.
Along with the financial benefits of our YourWay HRA, OneBridge Benefits delivers leading technology and best-in-class customer service through designated portals, ongoing support, a proprietary mobile app, and much more.
For Districts
- A robust employer portal with real-time snapshots of YourWay HRA plans, including participant listing, activity by employee, aggregated account balances, investment breakdown, etc.
- Online and census enrollment.
- Contribution upload features through employer portal or SFTP.
- Easily customized plan design features.
- Tailored reporting to address all operational, financial, and regulatory needs.
- Simplicity of stacked-offering an HRA and FSA with a single participant portal experience.
For Employees
- A single login to all benefit accounts administered by OneBridge (HRA and FSA).
- Real-time claim tracking and fast payment processing.
- Views and history of account transactions.
- The ability to quickly change information and elect direct deposit.
- On-the-go management through the HRAgo® mobile app.
- A smart debit card that automatically deducts funds from the appropriate account.
- Access to our Customer Care Center offering high first-call resolution and a team that truly provides “customer care.”
See the YourWay HRA in action!
When separating from service, many governmental employees and retirees (like you) are entitled to large, lump sums of pay, which can result in large tax obligations. To defer this tax obligation, these dollars are often contributed via Special Pay Plans (SPP) into a 401(a), 403(b), or 457 plan. In contrast, contributing these funds into a YourWay HRA removes the tax burden from both the district and employee, making it the modern way to fund sick leave cashouts, retiree cashouts, and severance.
Retiree with an SPP |
Retiree with a YourWay HRA |
|
| Five-Year Health-Related Expenses ($450 per Month) | $27,000 | $27,000 |
| Federal & State* Income Tax | 25% | 0% |
| Withdrawal Needed | $36,000 | $27,000 |
| Five-Year Tax Savings |
$0 |
$9,000 |
YourWay HRA dollars can even be used to pay for health insurance in retirement—including Medicare premiums!
Maximize your benefit offering with the YourWay HRA.
Schedule a meeting with our team to see how OneBridge can benefit your district!