Skip to main navigation Skip to main content Skip to footer
  • For Individuals & Families
  • For Medicare
  • For Providers
  • For Brokers
    • Search
    Search
    Español
  • For Employers:
  • For Employers:
  • Plans and Services

    Plans and Services
  • Who We Serve

    Who We Serve
  • Employer Resources

    Employer Resources
  • Log in to Employer Portal
  • Log in to Employer Portal

  • Plans and Services

    Plans and Services

  • Who We Serve

    Who We Serve
  • Why Cigna Healthcare

  • Employer Resources

    Employer Resources
    • Home Employers Health Savings and Spending Accounts HRA and HSA Health Plans for Employers

    Health Savings Account (HSA) and Health Reimbursement Account (HRA)

    Shifting behaviors, not costs, to create active participants who are encouraged and rewarded for choosing quality care.

    Building a new benefits package?

    How HSAs and HRAs Work

    The health savings account (HSA) gives employees ownership of a tax-exempt savings account they can use to contribute pre-tax dollars to pay for covered health care costs.1 The health reimbursement account (HRA) is employer-funded and, combined with a health plan, helps employees pay for covered health care costs.

    HSA Plan Features

    • Employee-owned account. The employee keeps rollover of all unused funds.
    • Qualified high-deductible plans are eligible.
    • Premiums for these plans are typically lower than traditional medical plans.
    • Contributions can be made by the employer and the employee, up to the IRS limit each year.
    • Preventive prescription drugs can be covered before employees meet their deductible.
    • Optional Limited Purpose Flexible Spending Account (FSA). his gives your employees the freedom to enroll in an HSA while saving additional pre-tax dollars in a FSA to help pay for eligible vision and dental expenses.

    HRA Plan Features

    • Employer-owned account. The employer chooses limits on remaining HRA dollars that roll over to future plan years.
    • Dollars remain with employer if employee leaves, or they are unspent at end of year.
    • Most health plans are eligible. Employers choose the underlying medical plan.
    • Contributions are made by the employer. Employers choose how much to contribute.
    • Automatic claim forwarding option to pay health care providers directly from the HRA.

    About Consumer-Driven Health Plans

    Consumer-Driven Health Plans (CDHPs) give employers the flexibility to combine a qualifying medical plan with either an HSA or HRA. Our CDHPs are designed to deliver savings for clients, without shifting costs to customers. Employers can choose to offer one or both Cigna HealthcareSM* CDHP plans.

    Value of Integrating Cigna Healthcare HSA and HRA Plans

    When bundled with a Cigna Healthcare medical plan, our HSA and HRA plans offer an integrated experience for employers and employees. This makes it easy to implement and simple to maintain. Compare the benefits of pairing Cigna Healthcare medical plans with Cigna Healthcare HSA and/or HRA plans vs. pairing Cigna Healthcare medical plans with a third-party HSA and/or HRA vendor.

    Services
    HSA and/or HRA + High Deductible Health Plan (HDHP)(all from Cigna Healthcare)
    Third-party HSA and/or HRA + Cigna Healthcare HDHP
    ID card
    • ID card
    • References medical plan and HSA/HRA
    • Medical plan ID card with no reference to the HSA/HRA
    Digital
    • Employees have access to bank account information, HRA account information, Medical and Pharmacy via the myCigna® website.
    • myCigna and bank vendor sites are separate.
    • Employees have access to Medical and Pharmacy plan only.
    Customer Service
    • Cigna Healthcare service representatives have access to individual’s medical, HSA and HRA activity
    • Warm transfers from Cigna to HSA vendor as needed for additional assistance.
    • Two customer service phone numbers
    • Cigna Healthcare customer service cannot answer HSA or HRA questions
    • No warm transfers between Cigna and HSA vendor service operations
    Billing
    • Employer gets a single bill from Cigna Healthcare for medical plan, HSA administration and/or HRA administration
    • Employer gets separate bills for medical plan (Cigna Healthcare), HSA administration (bank vendor) and/or HRA administrative services (vendor)
    Enrollment
    • Cigna Healthcare facilitates HSA bank account enrollment submission
    • Cigna Healthcare confirms HDHP enrollment of HSA applicants
    • Standard enrollment materials identify both medical plan, HSA and/or HRA features.
    • Cigna Healthcare does not support bank account enrollment submission.
    • Cigna Healthcare does not confirm HDHP enrollment of HSA applicants.
    • Separate enrollment materials for medical plan, HSA and/or HRA.
    Cigna Health Advisor® Program (not available with all plans)
    • Wellness and at-risk outreach, gaps in care coaching and treatment decision support included.
    • Medical plan ID card with no reference to the HSA/HRA
    Claim processing
    • Medical claims can be automatically forwarded for consideration for HRA reimbursement.
    • Single remittance is sent to health care provider and individual showing both the medical claim adjudication and HRA payment.
    • Cigna Healthcare processes medical and pharmacy claims only.
    • Individual must submit request for reimbursement from HRA.
    Contributions
    • Various options are available for the employer to fund the HSA, including bulk funding and employee-directed contributions through deposit or electronic funds transfer (EFT). Varies by plan.
    • HSA contributions managed by bank vendor.

    Benefits of Cigna Healthcare Spending and Savings Accounts

    • Single customer service phone number

    • Single contact for employer

    • Debit card for immediate access to funds

    • Autopay available on Medical**

    • Streamlined client funding of accounts

    • 24/7 customer service and access on myCigna

    • Submit reimbursement requests online or by app**

    • Flexible funding design**

    • Direct deposit**

    ** HRA and FSA only.

    Features may vary based on employer elections.

    More Reasons to Choose Our Health Savings Accounts

    Customers with a Cigna Healthcare-administered integrated HSA are more engaged and spend less. Overall, these customers have an 84% higher overall engagement and an 85% higher engagement with our chronic condition coaching program.2 They also:

    • Spend $73 less on medical costs per customer per year2
    • Log into myCigna twice as often2
    • Use the “Find Care” feature on myCigna 31% more often to search for a provider or service2
    • Search the cost of medical procedures 33% more often2
    • Are twice as likely to complete Health Risk Assessments2

    *Offered by Cigna Health and Life Insurance Company or its affiliates

    View Cigna Healthcare Company Names

    1 State and/or local taxes may apply. Contact your tax advisor for details.

    2 2023 our latest study of medical customers who have a Cigna Healthcare-administered benefit with Integrated HSA administration vs. those with an HSA-eligible Cigna Healthcare benefit with carved-out HSA. Cohort is based on customers with 24 months of continuous Cigna Healthcare plan experience; 2020-2021. Results may vary.

    Product availability may vary by location and plan type and is subject to change. All group health insurance policies and health benefit plans contain exclusions and limitations. For costs and details of coverage, contact a Cigna Healthcare representative.

    Cigna Healthcare products and services are provided exclusively by or through operating subsidiaries of The Cigna Group, including Cigna Health and Life Insurance Company (Bloomfield, CT), or its affiliates. In Utah, all products and services are provided by Cigna Health and Life Insurance Company (Bloomfield, CT). Policy forms: OK – HP-APP-1 et al., OR – HP-POL38 02-13, TN – HP-POL43/HC-CER1V1 et al. (CHLIC); GSA-COVER, et al. (CHC-TN).

    © 2023 Cigna Healthcare.

    Let's Get Started

    Thank you for your interest in Cigna Healthcare. Please provide some basic information about your company and a representative will contact you.

    First Name Last Name Email Address Company City State Choose a State Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District Of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming ------ Alberta British Columbia Manitoba New Brunswick Newfoundland and Labrador Nova Scotia Ontario Prince Edward Island Saskatchewan Quebec ------ American Samoa Guam Federated States Of Micronesia Marshall Islands Northern Mariana Islands Military Americas Military Europe/ME/Canada Military Pacific Northwest Territories Nunavut Palau Puerto Rico Virgin Islands Yukon Territory Zip Code 12345 or 12345-2345 Country Choose a Country United States Canada United Kingdom ------------ Andorra United Arab Emirates Afghanistan Antigua and Barbuda Anguilla Albania Armenia Angola Antarctica Argentina American Samoa Austria Australia Aruba Aland Islands Azerbaijan Bosnia and Herzegovina Barbados Bangladesh Belgium Burkina Faso Bulgaria Bahrain Burundi Benin Saint Barthelemy Bermuda Brunei Bolivia Bonaire, Saint Eustatius and Saba Brazil Bahamas Bhutan Bouvet Island Botswana Belarus Belize Cocos Islands Democratic Republic of the Congo Central African Republic Republic of the Congo Switzerland Ivory Coast Cook Islands Chile Cameroon China Colombia Costa Rica Cuba Cape Verde Curacao Christmas Island Cyprus Czech Republic Germany Djibouti Denmark Dominica Dominican Republic Algeria Ecuador Estonia Egypt Western Sahara Eritrea Spain Ethiopia Finland Fiji Falkland Islands Micronesia Faroe Islands France Gabon Grenada Georgia French Guiana Guernsey Ghana Gibraltar Greenland Gambia Guinea Guadeloupe Equatorial Guinea Greece South Georgia and the South Sandwich Islands Guatemala Guam Guinea-Bissau Guyana Hong Kong Heard Island and McDonald Islands Honduras Croatia Haiti Hungary Indonesia Ireland Israel Isle of Man India British Indian Ocean Territory Iraq Iran Iceland Italy Jersey Jamaica Jordan Japan Kenya Kyrgyzstan Cambodia Kiribati Comoros Saint Kitts and Nevis North Korea South Korea Kuwait Cayman Islands Kazakhstan Laos Lebanon Saint Lucia Liechtenstein Sri Lanka Liberia Lesotho Lithuania Luxembourg Latvia Libya Morocco Monaco Moldova Montenegro Saint Martin Madagascar Marshall Islands Macedonia Mali Myanmar Mongolia Macao Northern Mariana Islands Martinique Mauritania Montserrat Malta Mauritius Maldives Malawi Mexico Malaysia Mozambique Namibia New Caledonia Niger Norfolk Island Nigeria Nicaragua Netherlands Norway Nepal Nauru Niue New Zealand Oman Panama Peru French Polynesia Papua New Guinea Philippines Pakistan Poland Saint Pierre and Miquelon Pitcairn Puerto Rico Palestinian Territory Portugal Palau Paraguay Qatar Reunion Romania Serbia Russia Rwanda Saudi Arabia Solomon Islands Seychelles Sudan Sweden Singapore Saint Helena Slovenia Svalbard and Jan Mayen Slovakia Sierra Leone San Marino Senegal Somalia Suriname South Sudan Sao Tome and Principe El Salvador Sint Maarten Syria Swaziland Turks and Caicos Islands Chad French Southern Territories Togo Thailand Tajikistan Tokelau East Timor Turkmenistan Tunisia Tonga Turkey Trinidad and Tobago Tuvalu Taiwan Tanzania Ukraine Uganda United States Minor Outlying Islands Uruguay Uzbekistan Vatican Saint Vincent and the Grenadines Venezuela British Virgin Islands U.S. Virgin Islands Vietnam Vanuatu Wallis and Futuna Samoa Kosovo Yemen Mayotte South Africa Zambia Zimbabwe I am a(n): Select... Seeking coverage for myself and/or my family Seeking coverage for my small business 25 employees Employer looking to offer coverage through Cigna Employer with international presence looking for information about Cigna benefits Employee of a company who currently has Cigna benefits Employer currently offering Cigna Broker who is looking to quote Cigna Other (please explain) If you chose "Other" above, please explain: Employee Size Select... 1-2 3-10 11-24 25-50 51-99 100-249 250-499 500-4,999 5,000+ 5,000+ multiple states Business Phone +1 123 456 5678

    I consent to receive calls or texts from Cigna and its affiliates that may deliver an autodialed or prerecorded telemarketing message at the phone number provided above. I understand that my consent is not required to purchase products or services.

    Comments Contact Me

    You may be contacted by a licensed insurance agent.

    Thank you
    Your data has been submitted.
    Oops!
    There was a problem submitting your data, please try again later.
    I want to...
  • Get an ID card
  • File a claim
  • View my claims and EOBs
  • Check coverage under my plan
  • See prescription drug list
  • Find an in-network doctor, dentist, or facility
  • Find a form
  • Find 1095-B tax form information
  • View the Cigna Healthcare Glossary
  • Contact Cigna Healthcare
    •
    Audiences
  • Individuals and Families
  • Medicare
  • Employers
  • Brokers
  • Providers
  • Third Party Administrators
  • International
    •
    Manage Your Account
  • myCigna Member Portal
  • Provider Portal
  • Cigna for Employers
  • Cigna for Brokers
    •
    Cigna Healthcare. All rights reserved.
  • Privacy
  • Terms of Use
  • Legal
  • Product Disclosures
    •
  • Company Names
  • Customer Rights
  • Accessibility
  • Report Fraud
    •
  • Sitemap
  • Washington Consumer Health Data Privacy Notice
  • Cookie Settings

    • Disclaimer

    Individual and family medical and dental insurance plans are insured by Cigna Health and Life Insurance Company (CHLIC), Cigna HealthCare of Arizona, Inc., Cigna HealthCare of Illinois, Inc., Cigna HealthCare of Georgia, Inc., Cigna HealthCare of North Carolina, Inc., Cigna HealthCare of South Carolina, Inc., and Cigna HealthCare of Texas, Inc. Group health insurance and health benefit plans are insured or administered by CHLIC, Connecticut General Life Insurance Company (CGLIC), or their affiliates (see a listing of the legal entities that insure or administer group HMO, dental HMO, and other products or services in your state). Accidental Injury, Critical Illness, and Hospital Care plans or insurance policies are distributed exclusively by or through operating subsidiaries of The Cigna Group Corporation, are administered by Cigna Health and Life Insurance Company, and are insured by either (i) Cigna Health and Life Insurance Company (Bloomfield, CT). The Cigna Healthcare name, logo, and other Cigna Healthcare marks are owned by The Cigna Group Intellectual Property, Inc.

    All insurance policies and group benefit plans contain exclusions and limitations. For availability, costs and complete details of coverage, contact a licensed agent or Cigna Healthcare sales representative. This website is not intended for residents of New Mexico.

    Selecting these links will take you away from Cigna.com to another website, which may be a non-Cigna Healthcare website. Cigna Healthcare may not control the content or links of non-Cigna Healthcare websites. Details

    La aseguradora publica el formulario traducido para fines informativos y la versión en inglés prevalece para fines de solicitud e interpretación.

    The insurer is issuing the translated form on an informational basis and the English version is controlling for the purposes of application and interpretation.