HRA/LIFESTYLE SPENDING ACCOUNT

As employers look for modern, flexible ways to support their teams, Health Reimbursement Arrangements (HRAs) and Lifestyle Spending Accounts (LSAs) are reemerging as essential tools in a comprehensive benefits strategy. An HRA is an employer-funded account that reimburses employees for eligible medical expenses, offering meaningful financial support while keeping costs predictable for organizations. Paired with LSAs that extend benefits beyond healthcare, these tools give employees more choice and employers more control. With customizable plan design, expert guidance, and seamless administration, MEDSURETY makes it easy to build benefits your way—flexible, impactful, and aligned with your goals.

For Employees: Easy Reimbursements, Flexible Benefits

Our HRA and LSA solutions make it simple for employees to access employer-funded benefits, manage expenses, and get reimbursed quickly. With easy-to-use tools, flexible spending options, and clear tracking, staying on top of healthcare or lifestyle benefits has never been easier.

Employer-Paid Reimbursements

Your employer funds the account, giving you access to eligible reimbursements without dipping into your own budget.

Automatic Debit Card Payments

Use your benefit debit card to pay for eligible expenses instantly—no waiting for reimbursements.

Mobile App Access

View balances, upload receipts, and manage your account conveniently through the mobile app.

Stacked HRA-HSA Flexibility

Your HRA can coordinate with an HSA, giving you more options for paying, planning, and saving on healthcare expenses.

Transparent Claim Tracking

Monitor the status of every claim with real-time updates, so you always know where things stand.

Online Resource Library

Access guides, FAQs, and tools to help you understand and get the most from your benefit account.

$150M+

Assets Managed

800,000/year

Claims Processed

300,000+

Members

3,000+

Organizations

For Employers: Cost Control and Customizable Plan Design

Our HRA and LSA administration gives employers the flexibility to design plans that meet organizational goals, support employees, and manage costs strategically. With streamlined funding and real-time reporting, managing these benefits is simple and effective.

Control Healthcare Costs

Set defined contributions that help manage spending while still supporting employee needs.

Custom Reimbursement Options

Tailor your plan to reimburse exactly the expenses you want to support—medical, dental, lifestyle benefits, and more.

Flexible Rollover Settings

Choose whether unused employer funds expire or roll over each year to better align with your budget.

Streamlined ACH Funding

Automated ACH transfers make employer funding fast, predictable, and hands-free.

Real-Time Reporting Tools

Access up-to-the-minute data for claims, utilization, and funding to manage your plan.

Enhance Total Rewards Program

Offer meaningful, customizable benefits that strengthen recruitment, retention, and overall employee satisfaction.

Our HRA/LSA Solution Gives Employees the Tools To:

Save on Day-to-Day Healthcare Expenses: Reduce out-of-pocket costs with employer-funded support.

24/7 Online Dashboard: View balances, spending, and account activity anytime.

Mobile App Access: Manage benefits on the go with a seamless, intuitive experience.

Intelligent Multi-Purse Benefit Card: Automatically pulls from the right account every time—no guesswork.

Interactive Demos: Get familiar with the account experience through quick, helpful overviews.

Educational Videos & FAQs: Learn how to maximize benefits with clear, easy-to-follow resources.

Transparent Funding Tracking: Monitor employer contributions and payment history with total clarity.

Our Solution Helps Employers:

Design Creative, Flexible HRA Plans: Build benefit structures tailored to your strategy and workforce needs.

Customize Cost-Sharing Options: Customize the eligible expense list to meet your specific design, create percentage-based payouts, or implement shared cost models.

Incorporate Advanced Plan Features: Support embedded deductibles, multi-tier coinsurance designs, and other modern plan configurations.

Manage Everything in One Place: Administer contributions, schedules, and reimbursement rules with an intuitive online interface, including tiered contributions (employee, employee + spouse, etc.), custom schedules, and individual/member maximums.

Add Wellness Incentives: Provide wellness-based contributions to your HRA based on an existing wellness program to drive engagement and support employee health.

Access Powerful Trend Reporting: Gain insight into account utilization to understand spending patterns and optimize plan design.

Communicate With Confidence: Use proven communication tools to support enrollment, guide employees, and increase understanding.

Want more details?

Get your quote today.

Request a Quote

proven Integration Partners

MEDSURETY partners with leading payroll, banking, and benefits platforms to ensure smooth, secure integrations for enrollment and contribution data. Here is a sampling of some platforms we work with today.

happy-couple-saving-money-together-at-home-putting1.jpg

Frequently Asked Questions

Get the details you need. Explore our most frequently asked questions about HRAs and LSAs.

Absolutely. HRAs and LSAs are highly customizable benefits that allow employers to design a program aligned with their workforce’s unique needs. You can define eligibility rules, choose which expenses are reimbursable, set employer funding amounts, and structure the plan to support specific health, wellness, or lifestyle priorities. Whether you need a targeted reimbursement strategy or a broad employee wellness benefit, both account types offer the flexibility to build a plan that works for your organization.

Yes. One of the key advantages of an LSA is its flexibility—employers can create custom spending categories that align with organizational goals and culture. Whether you want to support wellness, professional development, family needs, or unique lifestyle perks, you can define exactly which expenses are eligible and tailor the benefit to what matters most to your workforce.

Yes. LSAs offer complete employer flexibility, so they can be added at any time during the benefits plan year. Unlike tax-advantaged accounts such as HRAs or FSAs, LSAs are not subject to IRS plan-year restrictions or mid-year change rules. Employers can launch an LSA mid-year, adjust funding, or redefine eligible categories whenever needed—making it easy to align the benefit with evolving organizational goals and budgets.

It’s also important to note that LSA funds are generally considered taxable income for employees. The funds are taxed when they are used or reimbursed, not when they are first allocated to the account.

MEDSURETY makes plan setup and administration simple for employers by offering hands-on support every step of the way. Our team assists with plan design, configuration, and documentation to ensure your HRA or LSA is built to your specifications. Once the plan is live, employers have access to an intuitive dashboard for managing eligibility, funding, and reporting. We also provide automated processing tools, dedicated client support, and ongoing compliance resources to keep your program running smoothly throughout the year.

Partnering with MEDSURETY to offer an HRA or LSA strengthens your overall benefits strategy. These accounts give employees valuable financial support for health, wellness, and lifestyle needs—making your organization more competitive in recruitment. Ongoing, they boost retention by increasing employee satisfaction and reducing out-of-pocket strain. LSAs can also be tailored to support wellness priorities, professional development, or family-focused perks, helping you build a healthier, more engaged workforce. With MEDSURETY’s flexible plan designs and smooth administration, these benefits become a powerful tool for attracting and keeping talent.

Stay Ahead in HRA and LSA Insights

Get the latest updates, tips, and best practices for managing HRAs, LSAs, and other employee benefits—delivered straight to your inbox. Join our newsletter to help your organization save time, stay compliant, and empower employees to make the most of their benefits.

Sign up for our Newsletter!

Name

Email Address

Company