Retiree Health Care Funding


The Challenge: The number one reason public employees, particularly public safety personnel, delay retirement beyond pension eligibility is paying for health care in retirement. At the same time, employers are facing increasing health care and budget pressures, and they’re decreasing retiree health benefits.

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The Solution: There are triple-tax free solutions to fund health care in retirement. Health Reimbursement Accounts (HRA), including Voluntary Employees Beneficiary Association (VEBA) Plans and 115 Trusts, provide tax-free contributions, earnings, and withdrawals for qualified medical expenses and insurance premiums. Better yet, RPA-enhanced plan design may allow for non-medical distributions.