More about your MRA

Complete Wellness Activities to help improve your well-being and earn money in your MRA!

As a JPMorganChase employee, you have the opportunity to earn up to $700 in your Medical Reimbursement Account (MRA) by completing wellness activities throughout the year 2025, from January 1 to December 31.

Learn more about growing your MRA through wellness activities

If you have any unused dollars in your MRA at the end of the year, they will carry over to the next year as long as you remain employed with JPMorganChase and enrolled in the JPMC Medical Plan. The money in your MRA is tax free.

You also have the option to enroll in one or both spending accounts, allowing you to contribute and spend funds tax-free:

 

Health Care Spending Account (HCSA) — A Health Care Spending Account (HCSA), also known as a Flexible Spending Account, allows you to set aside pretax money to help cover qualified out-of-pocket medical and prescription drug expenses after your MRA funds are used. It can also be used for qualified out-of-pocket dental and vision expenses.

Dependent Care Spending Account (DCSA) — A Dependent Care Spending Account (DCSA) allows you to set aside pretax money to help pay for eligible dependent care services, such as preschool, summer day camp, before- or after-school programs, and child or adult day care. 

You can manage your MRA, HCSA and/or DCSA through Aetna/Inspira. Once you're a member, simply log in to the Aetna website and look for the "Manage in Inspira" link under your MRA and Spending Accounts section.

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Father and son playing and smiling together

Use the app to manage your MRA and Spending Accounts

You can also download the Inspira Mobile app to manage your Inspira account on the go. With the Inspira Mobile app, you can access your account anytime, anywhere. It gives you the info you need, when you need it.

You will be able to:

  • Check to see if an expense is eligible by using the app to scan a barcode, in-store or anywhere else.
  • View your balance.
  • File a claim by taking a picture of and submitting your itemized receipt, statement or Explanation of Benefits.

If you have any questions about your medical reimbursement and spending accounts, call Inspira Financial at 1-888-678-8242 (TTY: 711) Monday through Friday, 8 AM to 8 PM ET and Saturday, 10 AM to 3 PM ET.

Important notes

During annual benefits enrollment, you will be able to choose between the payment option of Automatic Claim Payment or a Debit Card to pay claims from your MRA and HCSA. When you choose Automatic Claim Payment, funds from your MRA and then HCSA (if you have one) are automatically used to pay your portion of medical care and prescription expenses until funds run out. Automatic verification takes place to confirm the expense is eligible. With the Debit Card, you have the flexibility to choose when you want to use your MRA and HCSA funds. If you enroll in the debit card option, you will be encouraged to keep your receipts in the event you need to substantiate past payments. To learn more, go to My Health > 2025 Benefit Resources > MRA HCSA and Payment Options.
 
The debit card feature works best for people who want to be in complete control of the money in their accounts. The debit card option is also best if you receive assistance with the cost of your prescriptions by using a manufacturer discount card or through a government assistance program.

If you're unable to participate in any of the incentive program events, activities or goals due to a medical condition or other reason, you may be entitled to a reasonable accommodation for participation or an alternative standard for rewards. Please contact Aetna if you have questions or require assistance.

Some cities and municipalities may impose income taxes on MRAs or FSAs. For detailed information, please contact your local department of taxation.