Also whatever you don’t use gets rolled over to the next year.

So for example for a family of 4 you get $3000 per year into your HRA account, your family deductible is $4500 so if you spend it all that first year, you need to come up with $1500.

Say you only spend $1000 that year, $2000 gets rolled to the next year and next year you start with $5000 in your HRA to cover the $4500 deductible for the year.