Healthcare spending account plan.

Personal Care Account (PCA) plans

Humana's Personal Care Account (PCA) plans combine a low-premium, high-deductible plan with an employer-funded health reimbursement arrangement.

With this plan design, employees have catastrophic coverage and an incentive to look for value in healthcare.

Humana's Personal Care Account (PCA) plan gives you a way to reduce your health benefits costs while promoting greater employee involvement in healthcare decision-making.

Flexibility in plan design

Humana pairs the PCA with a high-deductible plan, though not necessarily one that meets the IRS definition of a "High-Deductible Health Plan" (e.g. integrated medical and pharmacy deductible). We offer several plan designs, ranging from 100/70 coinsurance to 80/60.

Medical Plans

Customer Support for Employers

Click one of the links below to access our customer support area for employers.

Voluntary Products

Critical Illness

Critical Illness coverage offers your employees valuable peace of mind from the rising costs of specialized healthcare, which are often not covered by ordinary health insurance