It always amazes me when people complain about healthcare costs, don’t put money into an FSA account, and don’t max out the HRA incentive dollars. Many claim to not know that these exist or their use. Every year, I complete every available activity HRA offering and put the maximum into the FSA account. Why is there so much apathy regarding employee benefits?

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You’re right. I have a low deductible plan so I don’t have an HRA, but my company offers premium reimbursement of up to $1K each year for completing a health survey, an annual physical, and doing some activities on an app. I claimed it all in the first half of the year and it’s equal to more than 2 months of the premium I pay for my wife and I. I also max out my FSA since I have a chronic illness and know I’ll use it.

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