HMO PPO Member Deductible Responsibility Individual: $1,000 Family: $2,000 Individual: $2,000 Family: $4,000 HRA Pays Toward Deductible (Funded By EMPath) Individual: $3,000 Family: $6,000 Individual: $2,000 Family: $4,000 BCBSMA Plan Deductible Individual: $4,000 Family: $8,000 Individual: $4,000 Family: $8,000 The HRA is an account that EMPath funds to help employees enrolled in the HRA medical plan pay for expenses that apply towards their deductible. Employees will pay the first portion of their deductible, and EMPath will pay the remainder. These amounts are outlined below. Copays and coinsurance are not deductible expenses, so you will still have to pay those when applicable. When you do incur a deductible expense that is HRA eligible, you can submit your receipts to HealthEquity online or through their mobile app. Watch:HRA The Easy Way HEALTH REIMBURSEMENT ARRANGEMENT (HRA) ALL MEDICAL PLAN PARTICIPANTS ARE AUTOMATICALLY ENROLLED IN HRA 6 // FY26 Benefit Guide