An account, tax exempt, funded by an employee or employer that the employee uses to pay health care expenses is called an Health Care Reimbursement Account or HCRA. From an HCRA, employees cannot withdraw cash to pay for things other than health care.

How much money to put into the HCRA is decided by the employee or sometimes, the employer, but, generally, if the money is not used by the end of the year it is lost to the employee. This gives an incentive for the employee to get to the Doctor for good preventive health care.

This plan is also good to have to supplement an already good, affordable health care plan if and when emergencies come up. Everyone needs to check with their employer to see if this plan is part of the health insurance plan the employer has.

Alot of people work at a job just to have the best insurance benefits that they can, especially if they have families, because they know that it only takes one really bad illness or accident to put in them debt for a very long time.