Small Business Health HRA | Self Insured Plans

The Qualified Small Employer HRA

A New Way for Small Businesses to Help Employees Cover Medical Expenses, Including Individual Insurance Premiums

small business hraSelf Insured Plans offers the Qualified Small Employer Health Reimbursement Arrangement (QSEHRA) – a solution that enables eligible employers with fewer than 50 full-time employees to help employees cover out-of-pocket healthcare costs, including the cost of qualifying monthly premiums.

When the Affordable Care Act (ACA) was adopted, the door was closed on any tax-preferred reimbursement of non-employer sponsored healthcare premiums. However, federal legislation signed into law in the form of the Small Business Healthcare Relief Act (SBHRA) restores stand-alone Health Reimbursement Arrangements (HRA) for small employers.

To qualify for a QSEHRA, the employer cannot offer a group health plan and the HRA must:

  • Be provided on the same terms to all eligible employees
  • Be funded solely by the employer (no employee contributions)
  • Require “proof of coverage” before any reimbursement of benefits
  • Limit annual payments to $4,950 for individuals and $10,000 for families
  • Be offered only to full-time employees age 25 and over, with 90 days of service

While eligible employees must provide proof of incurred and paid eligible medical expenses and several reporting requirements apply, the QSEHRA offers an opportunity to help employees cover healthcare costs, including the cost of Minimum Essential Coverage.

Contact Self Insured Plans today at (239) 403-7884, or email This email address is being protected from spambots. You need JavaScript enabled to view it. for more information.


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