Anyone ever had a high deductible health insurance plan with a company funded HRA? How did it work? I think that the initial claims are paid straight to the provider from the HRA with no co-pay or reimbursements. Solid answers on the logistics are hard to come by. After that, I’ll pay 20% with my FSA card. I assume the provider files and then sends me a bill for the remaining 20%. It’s a big change for me, but it should save me at least $1,200 per year based on my math. Healthcare costs are a big expenditure in our household so I’m going out of my comfort zone to maximize savings. I did the math and out of pocket healthcare expenses from co-pays were over 3,000$ just for my spouse last year.