The Laitram Spousal Incentive Health Reimbursement Account (SIHRA) offers employees, spouses, and their dependents who have access to alternate group medical and prescription drug coverage (usually through your spouse or dependent's employer) 100% coverage. If eligible, you will be reimbursed for ALL in-network eligible co-pays, co-insurance and deductibles incurred through your alternate medical plan up to the maximum out of pocket limits under the Affordable Care Act ($9,200 single and $18,400/family per calendar year). In addition, the SIHRA will reimburse the differential between what you pay in premium for the alternate coverage over what you pay in premium under the Laitram medical plan (subject to monthly maximum limits).