Retiree Healthcare Program

TIAA-CREF's Retiree Healthcare Program (RHP) provides a tax-advantaged way for individuals in academic, research, medical and cultural institutions to accumulate funds to pay for qualified medical and health-related expenses in retirement.

If your institution is seeking a way to reduce the unfunded liability of your defined benefit retiree health plan and still provide healthcare benefits for your employees, the TIAA-CREF Retiree Healthcare Program offers a cost-effective solution.

The Retiree Healthcare Program is designed to complement a participant's existing TIAA-CREF retirement plan. You will benefit from seamless plan administration. Your employees will be able to plan holistically for their retirement.

Learn about TIAA-CREF's Retiree Healthcare Program.


The TIAA-CREF Retiree Healthcare Program offers a number of advantages for employers and employees:

  • Funding flexibility allows tax-free employer contributions and employee after-tax payroll deductions
  • Trust earnings are tax-free
  • Reimbursements of qualified healthcare expenses are tax-free
  • Eligible employee benefits can be used for a broad range of out-of-pocket health-related expenses, per IRC section 213(d), including private and Medigap insurance premiums, co-payments, deductibles and long-term care insurance
  • Accumulated benefits are easy to track, thanks to individual employee notional accounts
  • RHP investment choices for retiree health plans include TIAA-CREF Lifecycle Funds and the TIAA-CREF Money Market Fund
  • Seamless administration through integration with your TIAA-CREF retirement programs makes it simple to manage the Plan

© 2014 and prior years, Teachers Insurance and Annuity Association - College Retirement Equities Fund (TIAA-CREF), New York, NY 10017