Participant Eligibility
With few exceptions, almost all employees can participate in an HRA. Exceptions include partners in a business, members of LLCs, and shareholders who own 2% or more in S-corporations. Employers can cover employees only or employees and their dependents, as well as domestic partners as long as they meet the IRS Section 152 definitions. Employers can also choose to provide HRAs to retirees and former employees.
HRAs cannot discriminate in favor of highly compensated employees. Annual nondiscrimination testing is required with an HRA to insure that the employer meets participant eligibility requirements. Sterling offers nondiscrimination testing annually and midway through the plan, if employers request, for compliance.
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HSA Sign Up Options
Individual, Not Part of Employer Group
For individuals signing up for an HSA and not associated with an employer group
Individual, Part of an Employer Group
For individuals signing up for an HSA already associated with an employer group
Employer Groups HSA Sign Up
For employer groups to enroll in HSAs
Register HSA Account for Online Access
If you already have HSA accounts with Sterling, register here for online access to your account information
