Question: Just read your article, No Standalone HRAs Allowed in 2014, and I’m concerned. They have an HRA at my work and I love it. It practically eliminates any out-of-pocket expenses. It’s with Anthem. Is that a standalone HRA? Will it be outlawed?
Answer: No. The HRA plan you have is not a stand-alone plan, It is integrated with a group health insurance plan (Anthem) and those will still be good going forward. A stand-alone HRA either has no health insurance component at all or is integrated with individual health insurance coverage. Only this type of HRA will be eliminated next year.