What is the California Individual Health Coverage Mandate, and how do HRAs help?

California requires residents to maintain minimum essential health coverage or potentially face a state tax penalty. HRAs such as ICHRA and QSEHRA help by giving employees tax-advantaged dollars to buy their own qualifying individual plans.

What is the difference between a QSEHRA and an ICHRA for my California business?

QSEHRA is for employers with fewer than 50 full-time employees and includes annual IRS contribution limits. ICHRA is available to employers of any size, has no contribution cap, and supports different reimbursement amounts for employee classes.

Are there specific reporting requirements for California employers who use an HRA?

Yes. California employers offering HRA-supported coverage have state reporting obligations, including annual employee statements and coverage detail reporting timelines.

Can I offer an HRA to part-time or seasonal workers in California?

Yes. Under QSEHRA, employers may include part-time and seasonal workers at their discretion, while ICHRA allows class-based design so part-time groups can receive different reimbursement levels.

Is an HRA more cost-effective than traditional group insurance in CA?

In many California markets, individual premiums are competitive with or lower than small group rates. HRAs also improve budget predictability because employers set fixed contribution amounts rather than absorbing variable group renewals.

Florida HRAs

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Florida employers: Save up to 31% on health insurance¹

From The 305 to The 850, affordable health insurance in Florida starts with a Take Command HRA

Florida has more ACA Marketplace enrollees than any other state²

Avoid expensive insurance

Florida group health insurance is expensive and forces employers to choose one plan for all employees.

Set your own budget

With a Take Command HRA, employers set an employee allowance and employees buy the plan they want.

Save money with an HRA

The cost difference makes a Take Command HRA more affordable for counties throughout Florida.

Florida employers can save up to 31% on health insurance by signing up for a Take Command HRA

The prices below are 2025 average rates for a 50-year-old on a bronze plan.

Miami-Dade County

Small group insurance: $649
Individual health plan: $541

Hillsborough County

Small group insurance: $614
Individual health plan: $512

Madison County

Small group insurance: $604
Individual health plan: $440

Look at health plan costs for your county

Explore Florida Health Plans

Browse ACA plans by county to see coverage options, carriers, and pricing your employees can choose from.

Search Available Health Plans →

HRAs have many advantages over traditional group health coverage

What is an HRA?

A Health Reimbursement Arrangement (HRA) is a tax-advantaged health benefits solution where employers give a monthly allowance to employees for qualified medical expenses and insurance premiums. The employer sets the budget, and the employees buy healthcare plans from the ACA or state marketplace.

Florida HRA tax advantages

Florida doesn't have a state income tax, which makes HRA benefits even better for the Sunshine State. Employer contributions are tax-deductible, and employees receive them completely tax-free. This means every dollar you put into an HRA goes further for both your business and your team.

Florida health insurance brokers

If you’re a health insurance broker with clients in Florida, you could be providing them significant savings with a Take Command HRA.

Explore ICHRA for brokers

References:

1. https://ideonapi.com/ideon-ichra-insights-by-state

2. https://www.cms.gov/newsroom/fact-sheets/marketplace-2026-open-enrollment-period-report-national-snapshot

Florida Employer HRA: Frequently Asked Questions

Which health insurance carriers are available for Florida employees?

Depending on the county, here are some of the insurance carriers your employees can choose from:

Ambetter
Florida Blue
Molina Healthcare
UnitedHealthcare

What are the tax advantages for my business?

HRAs offer a double tax advantage in Florida. Contributions made by the employer are 100% tax-deductible as a business expense, and the reimbursements received by employees are 100% tax-free. This makes every dollar spent on benefits go much further than a traditional salary increase.

Why is Florida considered a top state for ICHRA?

Florida has more ACA Marketplace enrollees than any other state in the country, giving it one of the most established individual health insurance markets nationwide. With 16 carriers offering plans for 2026, employees in major metros like Miami-Dade, Broward, and Hillsborough have significant choice, which keeps individual premiums competitive and predictable compared to traditional group plans.

What is the difference between an ICHRA and a QSEHRA?

QSEHRA (Qualified Small Employer Health Reimbursement Arrangement): For businesses with fewer than 50 employees that don't offer a group plan. It has set annual contribution limits ($6,450 for individuals / $13,150 for families in 2026). QSEHRA is perfect for Florida small business health insurance.
ICHRA (Individual Coverage Health Reimbursement Arrangement): For businesses of any size. There are no contribution limits, and you can offer different reimbursement amounts to different employee classes (e.g., $400/mo for full-time and $200/mo for part-time).

Is there a state health insurance marketplace in Florida?

No, Florida doesn't operate its own state health marketplace exchange. Employees shop for ACA-compliant plans through the federal marketplace at HealthCare.gov, where they can compare and enroll in coverage from any of Florida's participating carriers.

Affordable health insurance for Florida’s top industries: Retail, healthcare, and hospitality

Retail

Retail health insurance costs are increasing each year, but HRAs provide affordable coverage for diverse workforces with full-time, part-time, and seasonal staff.

HRAs for Florida retailers

Health organizations can save costs with HRAs

Healthcare

Staff burnout and rising operational costs make it hard to run a healthcare practice. Take Command takes care of your budget and your clinicians.

HRAs for Florida healthcare

Hotels

Health benefits are key to attracting hospitality talent. With Take Command’s HRA for hotels, you can provide quality coverage without breaking the bank.

HRAs for Florida hotels

CONNECT WITH US

Contact Take Command to learn about California HRAs

We’re here to help and can answer questions about health insurance quotes for your county.

We’re on a mission to create a consumer-centric healthcare system.

1-855-TCH-HRAS

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