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Employee Benefits | HR

Employee Spending Accounts

These tax-advantaged accounts provide employees a way to save for and manage medical and care costs.

National Jewish Health uses Rocky Mountain Reserve (RMR) to manage these funds for employees. Log in to RMR.

Health Savings Account

A Health Savings Account (HSA) allows you to put aside money on a pre-tax basis to pay for out-of-pocket medical expenses today, such as deductibles, coinsurance and copays.

  • HSA funds remain in your account and roll over from year to year.

  • The funds in the Health Savings Account are still owned by the account holder and can be used to pay for medical expenses tax-free.


Flexible Spending Account

A Flexible Spending Account (FSA) is used to pay for eligible out-of-pocket medical, dental, and vision care expenses for you and your eligible dependent(s).

  • Employees who are enrolled in the Cigna SureFit $1000 plan may participate in a Healthcare FSA.

  • As a reminder, the Healthcare FSA includes a feature that lets you carry over up to $610 of unused funds to the next plan year. Unused funds greater than $610 will be forfeited.

  • The annual contribution limit for 2023 is $3,050.

Health Reimbursement Arrangement Account

A Health Reimbursement Arrangement Account (HRA) are employer funded and can be used for qualified medical expenses for you and your eligible dependent(s).

  • The HRA account can only be paired with the SureFit $1,000 Plan.

  • National Jewish Health fully funds the HRA account at the beginning of the year, and funds on the HRA can only be used during the corresponding plan year.