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Covered California Q&A

Covered California and Obamacare related questions from consumers, employers and agents are answered by Phil Daigle with the best information available at the time. Archived entries may no longer be accurate as the Covered California and Obamacare knowledge-base is evolving quickly. TO REQUEST A PERSONAL RESPONSE INCLUDE EMAIL ADDRESS.

What is a Stand-Alone HRA Plans

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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.

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