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Self Insured Plans, LLC
14710 Tamiami Trail N, Ste 201
Naples, FL 34110
239.403.7884

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What We Do

Today's challenging healthcare environment demands new, more effective solutions to stem rising costs. Self Insured Plans works to keep healthcare plan expenses in line and quality care at the forefront. Whether your organization is large or small, we can help create a highly effective self-funded strategy that will control costs, keep you better informed and support happier, healthier employees.

The Qualified Small Employer HRA

The Qualified Small Employer Health Reimbursement Arrangement (QSEHRA) enables eligible employers with fewer than 50 full-time employees to help cover out-of-pocket healthcare costs, including the cost of qualifying monthly insurance 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, the Small Business Healthcare Relief Act (SBHRA) restores stand-alone Health Reimbursement Arrangements (HRA) for small employers.

To qualify, 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.

To learn more, contact Self Insured Plans today.

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It's time to choose a healthcare partner who will simply do more for you, your employees and your bottom line.