IMPORTANT NOTICE

Trustee Election; Vote Today! 

Click here to read about the two candidates and submit your vote. Don’t wait! Voting ends at 5:00 p.m. on Monday, February 9, 2026.

We’re conducting an election to fill a vacancy on the HRA VEBA Board of Trustees. This is a participant-elected Counties, Cities, and Towns position. Participants from Special Purpose District employers are not eligible to vote in this election.

The Board solicited nominations from all County, City, and Town employers. Two nominees met the Board’s written requirements. Each County, City, and Town participant is allowed ONE vote. The candidate who receives the most valid votes will become the replacement Trustee.

Get your Form 1095-B online on or after January 31, 2026.

If your HRA qualified as “minimum essential” coverage during any month in 2025, we will furnish you with a Form 1095-B. To access and print your form, log in at HRAveba.org on or after January 31, 2026. Form 1095-B is informational only—just keep it with your tax documents. You don’t need to file it with your individual return. If you need a paper copy, give us a call on or after January 31, 2026.

Can I add more money to my HRA?

This is a very common question. Unfortunately, you cannot individually elect to contribute money to your HRA. IRS rules prohibit individual choice and require that HRAs be funded solely through the employer. HRA eligibility rules and contributions are usually defined in collective bargaining agreements (union groups), employer policy (non-union groups), or similar written documents.

Take a few minutes to review your investment allocation.

You should review your investment allocation at least once a year. Choosing the right pre-mixed portfolio or your own mix of individual funds can help reduce risk and increase potential returns over time. You should base your asset allocation (fund selection) on several factors, such as:

• When you expect to start using your HRA funds (time horizon);
• The level of risk you’re willing to accept (risk tolerance);
• The type of investor you are (growth- or preservation-oriented);
• Other savings or investments you may have; and
• Your own personal financial goals.

The HRA VEBA Board of Trustees and its agents do not give investment advice.

HRA tax reporting is required only in certain cases.

HRAs are generally tax-exempt and don’t require any tax reporting. However, if you’re the divorced spouse or non-dependent survivor of a deceased HRA participant, you must report the value of your HRA coverage as taxable income. In these cases, be watching for a Form 1099-MISC and instructions from us in the mail.

We need your separation date if you’re no longer working for the employer who set up your HRA.

If you’re no longer working for the employer who set up your HRA, make sure we have your separation date on file. This is especially important if your HRA was fully claims eligible while you were working. Medicare should be primary to your HRA. But, if we don’t have your separation date, Medicare will consider your HRA to be primary and can take your HRA funds to cover prior Medicare claims.

Here’s what you should do: Log in at HRAveba.org. If we have your separation date on file, it will be displayed on your dashboard (landing page) inside the box with your account balance. If you don’t see your separation date, click the envelope icon (*͏) at the top right of your screen to send it to us using our Secure Messaging Center. You can also reach us at 1-888-659-8828.

Electing “limited HRA coverage” helps protect your HRA in certain situations. 

If your HRA is fully claims eligible and any of the situations listed below apply to you, you should consider limiting your HRA coverage to help avoid future hassles.

Medicare Coordination. You’re still employed by the employer who set up your HRA and you, your spouse, or a dependent have Medicare coverage, and you don’t want to be forced to use up your HRA funds before Medicare will pay claims.

HSA Eligibility. You, your spouse, or a dependent are making or receiving contributions to a health savings account (HSA). To be eligible for HSA contributions, IRS rules require that you have no other first-dollar coverage. This includes full HRA coverage.

Premium Tax Credit Eligibility. You, your spouse, or a dependent are purchasing insurance through a marketplace exchange and are taking the Premium Tax Credit (subsidy). 

You can avoid potential problems by electing limited HRA coverage for yourself, your spouse, and/or a dependent as needed. Just complete and submit a Limited HRA Coverage Election form. The form, which contains more details, is available online. Log in at HRAveba.org and click Resources.

You can keep filing claims while on military leave.

You can keep filing claims if you’re on military leave governed by the Uniformed Services Employment and Reemployment Rights Act (USERRA) and have a claims-eligible HRA. Also, you can make voluntary after-tax contributions to your HRA under COBRA if your employer has stopped making HRA contributions due to your military leave. Certain restrictions may apply.