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Health spending accounts

These help employees’ pick up where their group plan leaves off. Humana’s spending accounts go above and beyond a regular health plan, offering smart ways to pay for eligible expenses.

Plan Overview Features

Health savings account (HSA)

An HSA, which requires a high- deductible health plan, allows an employee to pay for healthcare now, and save for what they may need in the future.
  • Unused funds carry over from year to year
  • Funded with pre-tax money
  • Contributions aren’t taxable in most states.

Flexible spending account (FSA)

This plan pays for eligible expenses like dental care, doctor’s bills, and prescriptions that a standard health plan may not cover. Dependent care FSA also available.
  • Helps reduce healthcare costs
  • Account is funded with pre-tax money
  • Funds don’t carry over from year to year

Health Reimbursement Arrangement (HRA)

This plan, which is funded by the employer, is like an expense account for eligible medical costs like dental services, eye exams, and prescriptions. Unused funds carry over from year to year.
  • Use for out-of-pocket expenses like medical and pharmacy copayments
  • May have a higher deductible, but can use HRA to pay it down
  • Amount of HRA and qualified expenses varies by employer

Humana Access® Mastercard Debit Card

Used with Humana’s HSA, HRA, and FSA, this debit card provides easy access to your spending account funds.

  • Use to pay for doctor’s office visits and prescriptions
  • Pays for over-the-counter drugs


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