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Horizon MyWay HSA and Horizon MyWay HRA — the next generation of consumer-directed health plans from Horizon Blue Cross Blue Shield of New Jersey — are designed to give both you and your employers and consumers more affordable health care options.
Horizon MyWay lets groups tailor our plans to meet specific budget and benefit needs. That helps to control health care costs and provide employees with valuable coverage to meet their health care needs. Plus, Horizon MyWay comes with the single largest network in the industry, with more than 625,000 physicians and 6,100 hospitals. Groups choosing Horizon MyWay enjoy the security of Blue Cross and Blue Shield and the stability of Horizon BCBSNJ's more than 70-year history of Making Healthcare Work®.
Horizon MyWay consists of three options: MyWay HSA, MyWay HRA and MyWay FSA.
Horizon MyWay HSA combines our high-deductible PPO or Direct Access plans with a Health Savings Account. Contributions to an HSA can be made in three ways: by the employer, employee or both. Contributed funds can be either tax free or tax deductible.
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Horizon MyWay HRA combines our high-deductible PPO or Direct Access plans with a Health Reimbursement Arrangement. HRAs are employer-funded accounts that employees can use for qualified medical expenses, including deductibles. The employer owns the HRA and, therefore, can select which IRS-eligible expenses will be reimbursed.
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Horizon MyWay FSA (Flexible Spending Account) is a convenient before-tax way for employees to pay for eligible out-of-pocket health care expenses. Vision, Dental, Transit and Parking FSAs are available through Horizon BCBSNJ, in addition to Medical.
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