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What are the benefits of an HRPro Flexible Spending Accounts (FSA)?

Tax Breaks

With an HRPro FSA, you can save on a variety of everyday medical, dental, vision and other expenses. It’s a TAX BREAK that is simple to use. Your contributions to your FSA are taken out BEFORE taxes and that’s how you save – you do not pay taxes on your FSA contributions!

Funds on Day 1

One of the best perks of an FSA is that your funds are available at the start of the plan year. That means, if you have expenses at the start of the year, you don’t have to wait until all contributions have been made to use your funds. You can use FSA immediately to help cover costs. You can also use your funds to cover the costs of your spouse, dependents and adult children (through the age of 26).


HRPro offers discounts through FSAStore and HealthShopper.

Choose a Plan That's
Right For You

Flexible Spending Account

A Flexible Spending Account is an employer-sponsored benefit that allows participants to pay for certain out-of-pocket medical expenses (such as doctor office co-pays and prescription co-pays) with their pre-tax income.

Dependent Care FSA

A Dependent Care FSA (DCFSA) is used for eligible dependent care services, such as preschool, before/after school programs, and child/adult daycare. It’s a smart way to save money while caring for your loved ones.

Limited Purpose FSA

You can enroll in a limited-purpose FSA when you already have an HSA, Health Savings Account. LPFSA accounts are typically reserved for paying dental and vision costs, leaving HSA funds for medical expenses.

Managing Your Accounts Couldn’t Be Easier!


Employee and employer portals,
mobile app access

Everything at
Your Fingertips

Mobile app allows claim submission, check balances and FSA/HSA eligibility with a simple scan!


Stackable debit card means 1 card for all reimbursement accounts!


Visit the FSA Store to find an extensive list of eligible products.
When you use code CBHRP5, you can save $5!

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What is a Health Savings Account?

An HSA works with a high deductible heath plan (HDHP), and allows you to use before-tax dollars to reimburse yourself for eligible out-of-pocket medical expenses for you, your spouse and your dependents, which in turn saves you on taxes and increases your spendable income.

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How HSA Works

You and your employer can deposit money into your HSA account, up to an annual per-person or family limit set by the IRS. When you enroll, an account will be created for you at a sponsor bank. You’ll be given access to a secure, easy-to-use web portal where you can track your account balance, view your investment accounts and submit requests for reimbursements. In addition, you’ll receive a “Benny” Card to make it easy to access the money in your HSA.

The card contains the value of your HSA account and you can use it to pay for eligible services and products not covered by your health insurance. When you use the card, payments are automatically withdrawn from your account, so there are no out- of-pocket costs and you won’t have to submit receipts to verify the purchase. Just swipe the card and go. It’s that easy!

6 Benefits of a Health Savings Account

Invest in your future

An HSA acts just like a savings account in which you can routinely contribute funds and keep it for whenever you need it to pay for qualified medical expenses. After age 65, the funds can be used for any purpose, without penalty.

Grow funds tax free

An HSA grows with you. If you maintain a minimum balance of $2,000 your additional funds may be invested in mutual funds yielding tax-free earnings.

Keep your
remaining funds

At the end of your plan year, any remaining funds stay in your account from one year to the next. This way, you continue saving.

Take your HSA
with you

No matter where life takes you, your HSA moves with you. Whether it’s a job change, a new health plan, or retirement, your HSA remains in your control. There is no minimum distribution during your retirement years, either. Thus, continuous contributions to your HSA are a wonderful way to plan for retirement, too!

Reduce health
insurance premiums

To enroll in an HSA, you must be enrolled in an eligible high deductible health plan that meets deductible requirements set by the IRS. HSA qualified health insurance plans typically have smaller monthly insurance premiums, putting more money in your pocket each month.

Multiple tax benefits

There are three major tax advantages to your HSA: Cash contributions to an HSA are 100% deductible from your federal gross income (within legal limits). Interest on savings accumulates tax deferred. Withdrawals from an HSA for “qualified medical expenses” are free from federal income tax.


Visit The HSA Store to find an extensive list of eligible products.
When you use code CBHRP5, you can save $5!

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What is a Health Reimbursement Arrangement?

A Health Reimbursement Arrangement (HRA) can fund the gap between employees’ out-of-pocket health care expenses and their insurance coverage. It reimburses qualified medical expenses determined by the employer, such as: copayments, deductibles, vision care expenses, prescriptions and/or dental expenses.

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How Do HRAs Work?

HRAs are funded by your employer, and, in most cases, must be paired with another group health plan. When you incur qualified medical expenses, you can then be reimbursed for those out-of-pocket costs from your HRA.

Employee Benefits

When an HRA is offered in conjunction with an HDHP, premium costs are lowered.

Funds can pay for deductibles, co-insurance, co-payments, and prescriptions, among other out-of- pocket healthcare expenses.

You can have an HRA in
conjunction with an FSA.

Employer contributions do not count towards an employee’s gross income.

When an employee files a claim for qualified expenses, the reimbursement is tax-free!

Health Reimbursement Account Eligibility

You may be eligible for an HRA if your employer sponsors an HRA and you meet any eligibility requirements established by your employer. HRAs typically must be offered with other health plan coverage, such as HDHP coverage, to satisfy certain requirements under the ACA, but not in all cases. You may be required to be enrolled in other group health plan coverage in order to participate in the HRA. If you have questions about your HRA eligibility, you should talk to your manager or HR.

Self-employed individuals are not eligible for an HRA. Certain limitations may apply if you are considered a highly compensated individual at your organization.

Review Benefit Plan Limits

View plan limits for all benefits here.