You can waive your HRA in HRA Hub by selecting the opt-out or waiver option during onboarding or enrollment, which removes you from receiving employer-funded HRA reimbursements for the plan year.
What does it mean to waive your HRA?
Waiving your HRA means you choose not to participate in your employer’s health reimbursement arrangement.
When you waive:
You do not receive monthly HRA allowance funds
You cannot submit reimbursement claims under the HRA
You are not included in reimbursement reporting
Your employer does not fund your health expenses through the HRA
You can still maintain health insurance coverage independently outside of the HRA.
When can I waive my HRA?
You can waive coverage during:
Initial employee onboarding
Annual HRA re-enrollment
Your employer’s HRA election period
Any required eligibility confirmation flow in HRA Hub
Waiving is only available during designated enrollment or election periods.
How do I waive my HRA in HRA Hub?
To waive your HRA:
Log in to your HRA Hub employee portal
Proceed through your enrollment or benefit setup steps
When prompted to select a plan or allowance, choose the option to waive, opt out, or decline participation
Confirm your decision when prompted
Submit and complete the enrollment flow
Once completed, your waiver is applied for the plan year.
Option 1: Waive Due to Medicaid Enrollment
If you are currently enrolled in Medicaid, you will be automatically directed to the waive questions. Here’s why:
Eligibility: Medicaid enrollees are not eligible to participate in a Health Reimbursement Arrangement (HRA) because Medicaid is not considered individual health insurance. Therefore, it does not qualify as a participating plan for the Individual Coverage Health Reimbursement Arrangement (ICHRA) benefit.
Waive Process: You will be presented with a popup modal or a waive link, allowing you to opt-out of the HRA offering provided by your employer.
Option 2: Waive by Entering Household Income
As an employee, you can choose to waive shopping for a health plan by providing your household income information. Here’s how it works:
Income Entry: You will be prompted to enter your household income details.
Waive Option: If, based on your income, you decide not to participate in the health plan, you can waive your coverage accordingly.
Option 3: Waive Shopping Completely
If you simply do not want to select a health insurance plan, you can opt to waive shopping altogether. This option is straightforward:
Direct Waive: You can choose to waive the shopping process without providing additional information or reasons.
What happens after I waive my HRA?
After you waive:
Your employer stops contributing to your HRA allowance
You are removed from reimbursement eligibility
You cannot submit new claims under the HRA
You will not appear on future reimbursement reports
Your waiver applies only to the current plan year unless you re-enroll.
Important tax impact of waiving your HRA
If you waive participation:
You may be eligible for Premium Tax Credits (if otherwise qualified)
You will not receive employer reimbursement benefits
You cannot receive both HRA reimbursements and Marketplace premium tax credits for the same coverage period
Eligibility depends on your specific insurance and income situation.
What does NOT happen when you waive your HRA?
Waiving your HRA does NOT:
Cancel your health insurance plan
Notify your insurance carrier
Affect your eligibility for other employer benefits
Remove you from coverage you already purchased
You must manage insurance coverage separately from your HRA election.