Employees: Finally... Health Benefits Designed for You

YourWay health benefit plans that put you in control and money in your pocket. See how you can prepare for the future of healthcare with a YourWay account-based benefit plan, powered by OneBridge Benefits.

Benefits used and owned by you.

What can YourWay account-based benefits do for you? The better question might be what can’t they do for you?

Plan Summary:

  • Use your employer’s pre-tax contributions to purchase individual healthcare coverage that’s tailor-fit to your needs. 
  • Access to the full insurance marketplace via our Benefits WayFinder platform where you can compare plans, premiums, and enroll in coverage.
  • Use YourWay Frontier funds to cover out-of-pocket expenses like co-pays, prescriptions, and more. 
  • Frontier HRA contributions and reimbursements are not included in your taxable income.
  • Unused YourWay Frontier funds can be saved and used to cover future out-of-pocket healthcare expenses.

Plan FAQs:

  • Who owns the account? The employee.
  • Who funds the account? The employer.
  • Are the funds contributed pre-tax? Yes.
  • Does it cover health insurance premiums? Yes.
  • Are there contribution limits? Limits are determined by the employer.
  • Can unused funds roll over to the next plan year? Yes.
  • Is the coverage tied to an individual health plan? Yes.
  • Are unused funds invested tax-free? For employees of government-sector employers, yes.
  • Can you take the plan with you if you leave the company? Yes.

Plan Summary:

  • The YourWay Health Reimbursement Arrangement is an employer-funded health benefit account designed by OneBridge Benefits to help you pay for qualified, health-related expenses with pre-tax dollars during and after your employment.
  • Built as a type of “healthcare safety net,” your funded HRA contributions and reimbursements are exempt from federal and state income tax.
  • YourWay HRAs can be flexibly designed as a savings solution when paired with an elected HIgh Deductible Plan, or as an additional retirement savings vehicle as contributed funds can be invested to grow, tax-free.
  • With healthcare being one of the largest expenses you’ll experience during retirement, the YourWay HRA plan allows some participants to retire early and cover out-of-pocket expenses prior to the age of Medicare eligibility.
  • As with all YourWay plans powered by OneBridge, once enrolled in a YourWay HRA, you gain access to a debit card, online portal and mobile app, and a dedicated customer support team.

Plan FAQs:

  • Who owns the account? The employee.
  • Who funds the account? The employer.
  • Are the funds contributed pre-tax? Yes.
  • Does it cover health insurance premiums? That depends on your plan design. Some HRAs may be tied to your group health coverage, which in that case, premiums are not eligible. However, once you’re separated from your employer (retired), you can then use your HRA funds to cover premiums.
  • Are there contribution limits? Limits are determined by the employer.
  • Do unused funds roll over to the next plan year? Yes.
  • Is the account tied to a group health plan? Yes, but only while you’re employed. Upon separation, your HRA is no longer tied to a group plan. 
  • Are unused funds invested tax-free? For employees of government-sector employers, yes.
  • Can you take the plan with you if you leave the company? Yes, all YourWay HRA plans are portable!

Plan Summary:

  • There are two types of Flexible Spending Accounts available in the YourWay plan suite: Health FSA and Dependent Care FSA.
  • The YourWay Health FSA can be used to cover out-of-pocket health expenses incurred by you or your dependents. 
  • The YourWay Dependent Care FSA can be used to cover out-of-pocket health expenses incurred by you or your dependents that are under the age of 12 or dependents of any age who are unable to care for themselves. 
  • YourWay FSAs can also be added (or stacked) on top of an existing YourWay plan, like the Compass HRA.

Plan FAQs:

  • Are the funds contributed pre-tax? Yes.
  • Does it cover health insurance premiums? No.
  • Are there contribution limits? Up to $2,850 in 2022.
  • Do unused funds roll over to the next plan year? Yes, up to $570 can be rolled over if the employer permits.
  • Is the account tied to a group health plan? Yes.
  • Are unused funds invested? No.
  • Can you take the plan with you if you leave the company? No. However, your plan may include a grace period and run-out period.

See more of YourWay.

Learn more about how YourWay health benefit plans can help alleviate administrative duties, control healthcare costs, and more by viewing our YourWay Specialists’ videos. 

Watch Videos

View YourWay guides.

Explore and discover more about how you can benefit. Download, print, email, or view helpful guides regarding YourWay benefit plans, tips for employers, broker info, and much more. 

Get Guides