Custom Design
Design the ideal QSEHRA for
your team in just a few clicks.
QSEHRA administration
Easy, tax-free health insurance reimbursement
Reimbursing your employees tax-free through a Small Business HRA (Qualified Small Employer Health Reimbursement Arrangement) has never been easier. Design and launch your QSEHRA plan in minutes with our HRA administration platform.
- Manage benefits for an hour or less per month
- Offer health insurance on your budget & save on taxes
- Boost recruitment and retention amid a tight hiring market
What is QSEHRA?
A Qualified Small Employer Health Reimbursement Arrangement (QSEHRA) is a flexible health benefit for small businesses with fewer than 50 full-time employees. It lets employers reimburse their team for medical expenses, including individual health insurance premiums, without offering a traditional group plan.
Employees get to pick the coverage that works best for them, and as long as they have qualifying health insurance, the reimbursements are tax-free. The employer sets a fixed reimbursement amount, and all eligible employees get the same offer. It’s an easy, customizable way to provide health benefits.
What is QSEHRA admin?
Many small business owners we talk to are wearing a few too many hats and don’t count health insurance expertise among their many talents. A lot of the small companies we help don’t have an HR department to manage their health benefits and many of them cite recruitment and retention woes as one of their biggest challenges. Another common denominator? Nearly all of them want to help their employees with health insurance costs and help them find affordable healthcare reimbursement plans.
That’s where QSEHRA administration comes in. As the best QSEHRA administrators, we’ve invested in the small business experience when it comes to reimbursing employees for health insurance. Understanding that schedules are always tight, we’ve designed a small business benefits administration platform designed for speed and hands-off management. Our QSEHRA administration software does the heavy lifting so you can focus on what you do best.
Why QSEHRA?
There are several reasons why more and more small businesses across the country are signing up for QSEHRAs to take care of their employees.
Retain and Recruit Top-Tier Employees
In a tight labor market, it can be hard for small businesses without a health benefits plan to compete with larger employers for talent. And without the right people, it’s hard for small businesses to succeed. QSEHRA empowers small business owners to offer hands-off employee health benefits at a price they can afford.
Tax-Free for Employers and Employees
You read that right. QSEHRA reimbursements are not subject to payroll tax, employer tax, or income tax, making it tax advantaged for everyone. It allows for the same tax advantages that large companies enjoy when it comes to offering employee benefits.
Works with HSA
Employees can enjoy the benefits of QSEHRAs and HSAs together if they’re enrolled in a high-deductible health plan, if their QSEHRA reimburses for premiums only, and if they don’t double dip (i.e., they can’t get reimbursed through QSEHRA for something they paid for with an HSA).
Offer Personalized Benefits
Employees aren’t one-siz-fits-all, and their health benefits shouldn’t be either. QSEHRA allows employees to choose the plan that works best with their budget, doctors, and prescriptions.
QSEHRA administrator 101
What does your QSEHRA administrator do?
QSEHRA administrators acts as the bridge between employees and the QSEHRA plan, delivering a smooth experience, ensuring compliance, and effective communication for employees. Your QSEHRA administrator helps every step of the way, from plan setup and design to enrollment, employee communications, and onboarding to reporting and compliance to claims processing to ongoing support. In other words, they do the heavy lifting so you don’t have to worry about all the complexities and confusion surrounding health insurance.
Simple, Yet Smart
Easy-to-use, mobile-friendly
interface for everyone.
Affordable
No setup fees. No long-term contracts.
Simple pricing.
Design your Qualified Small Employer HRA
Get started by answering a few questions about how you’d like your QSEHRA to work. We’ll create your legal plan documents and handle the paperwork and accounting for no cost. We put you in control and allow you to choose:
- How much to reimburse
- What to reimburse
- Whether to include part-time employees
- Waiting periods
- When to start
- + more
We’ll onboard your employees to the HRA administration platform
Once your plan documents are finalized, we’ll automatically send out all of the IRS required communications to your employees, automatically.
And if employees have questions? We’re here to help! We’ll help employees set up their existing health plan for reimbursement or shop for a new one that covers their doctors and prescriptions. Our licensed health professionals are eager to help employees optimize their QSEHRA reimbursements.
Employees request reimbursements
Employees request reimbursement for insurance and medical bills (if allowed in your QSEHRA design) by snapping photos of receipts on their phones. No credit cards or complicated forms to deal with.
We’ll handle all of the record-keeping and send you (and your accountant or payroll specialist) a report each month. Never hassle with receipts or worry about privacy issues or compliance!
QSEHRA Administration at a glance
There’s a growing trend among small business owners to forego the traditional, one-size-fits-all employer-sponsored group plans and opt for a reimbursement model, sometimes called a defined contribution model or 401(K) style benefits.
Employees purchase an insurance plan that works best for them, and employers reimburse them for the cost through a health reimbursement arrangement designed especially for small businesses with less than 50 employees. HRA administrators like Take Command help ensure it’s easy and simple for everyone with seamless QSEHRA management.
It’s easy to see why a QSEHRA is appealing. It’s budget friendly. It’s efficient. It’s flexible. It’s predictable, and it offers great tax advantages for small businesses.
But many considering this option start to wonder how easy it is to set up a QSEHRA and what the upkeep looks like in an already crammed schedule. We’re here to tell you that using a QSEHRA administration tool, QSEHRA administration platform, or third-party HRA administrator (like Take Command) will save you time, headaches, and even penalties if you have trouble correctly navigating the compliance requirements and complex rules. A QSEHRA administration tool will do the heavy lifting for you.
QSEHRA Administration Setup
- QSEHRA Legal Plan Documents
- Employee MEC Verification
- IRS Deadlines
- Form 720 (PCORI)
- Year-end W-2 Reporting
- HIPAA and Privacy Compliance
- Support business owners
- Easy and quick online signup process
- A customized admin portal to review and approve HRA documents, view monthly reimbursement reports, add/remove employees, manage subscriptions, update payment information, and see overview information about HRAs
Help employees get the most out of their QSEHRA
- Provide helpful educational material to communicate to your employees the benefits of their new HRA and how to get the most out of it
- Support employees while they shop for an individual health insurance plan to use with their QSEHRA
- Robust onboarding process
- Answer questions along the way
- Easy platform to request reimbursements (like simply snapping a picture and uploading on phone)
of our clients spend less than an hour per month administering their HRA.
Join the growing trend
