1. HRAs, HSAs, and Health FSAs: The Rules, the Changes, and Administrative Challenges

HRAs, HSAs, and Health FSAs: The Rules, the Changes, and Administrative Challenges

HRAs, HSAs, and Health FSAs: The Rules, the Changes, and Administrative Challenges
Event ID: 18618
Recording: 15392

Duration: 90 minutes including question and answer period.
Presenter: Christine Williams, attorney at law, founder, Health Plan Plain Talk.com
Price: $299.00, On-Demand includes full audio presentation, question and answer session, and presentation slides.
CE Credits: This program has been approved for 1.5 general recertification credit hours toward PHR, SPHR, and GPHR recertification through the HR Certification Institute. This program is valid for 1.5 PDCs for the SHRM-CP or SHRM-SCP.
Who Should Attend? HR, employee benefits, financial officers, in-house counsel, and CEOs

The rules governing Health Reimbursement Arrangements (HRAs), Health Savings Accounts (HSAs), and health flexible spending arrangements (FSAs) have undergone important changes and may experience even more in the near future. An executive order issued in 2017 called for broadening the HRA rules, and proposed changes were published in October 2018. In addition, there have been repeated calls for higher contribution limits to HSAs, and the health FSA limits change from year-to-year based on the inflation index. Many employers use these vehicles to assist employees with expenses not covered by major medical insurance, and employers that utilize these vehicles will probably face the need to review their health plan offerings and perhaps rethink their health plan design in general.

Join Christine Williams, founder of Health Plan Plain Talk, as she reviews the rules and changes for HRAs, HSAs, and health FSAs and discusses how to incorporate changes into existing health plan designs.


This webinar will cover:

  • Any changes made by recent tax legislation
  • Recent guidance on the calculation of HRA premiums under COBRA
  • The effective dates for any changes
  • Dollar limits for HSAs and health FSAs for 2020
  • How HSAs and high-deductible health plans work together
  • Important differences in design and operation of HRAs, HSAs, and health FSAs
  • The proposed changes to HRAs including changes that would allow use of HRAs to pay for individual coverage purchased by employees
  • Which of the three vehicles can be used together
  • Whether stand-alone HRAs are permissible
  • Administrative issues for each of the three vehicles


Your conference leader for “HRAs, HSAs, and Health FSAs: The Rules, the Changes, and Administrative Challenges” is Christine Williams. Ms Williams is the founder of Health Plan Plain Talk and has worked in the employee benefits area since 1987, both in private practice and as in-house counsel to a Fortune 100 company. She has extensive experience with all types of health and welfare plans, and was the editor and a contributing author of HIPAA Portability, Privacy, & Security, published by Employee Benefits Institute of America (EBIA), a division of ThomsonReuters, and is still a contributor to that publication. She was also a contributing author of Health Care Reform for Employers and Advisors, also published by EBIA. She has provided advice on HIPAA, health care reform, and compliance to a wide range of health plans, employers that sponsor health plans, and business associates. She regularly teaches seminars for employee benefit professionals. Before moving into employee benefits Ms. Williams was an assistant professor at the University of Maryland School of Law. She earned her law degree from the University of Kentucky College of Law.


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