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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
Two women talking in an office

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.

That’s where QSEHRA administration comes in. As a QSEHRA administrator, 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 software does the heavy lifting so you can focus on what you do best.


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 hero

Checkbox completed icon 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 health benefits at a price they can afford.

Tax-Free for Employers and Employees hero

Checkbox completed icon 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 hero

Checkbox completed icon 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).

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Checkbox completed icon Offer Personalized Benefits

Employees aren’t one size 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?

A QSEHRA administrator 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.

Custom Design

Design the ideal QSEHRA for
your team in just a few clicks.

Simple, Yet Smart

Easy-to-use, mobile-friendly
interface for everyone.


No setup fees. No long-term contracts.
Simple pricing.

Set up a qsehra

See how our QSEHRA setup process works

Get up and running in 1–2 minutes. Seriously, it’s that easy.

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
Learn more about design rules

We’ll onboard your employees to the HRA administration platform

Once your plan documents are finalized, we’ll 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 setup 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.

Learn more about our enrollment team

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!

Leave it to us

Simple QSEHRA administration pricing

Get Started
Starting at
Per Employee
  • Personalized onboarding & support
  • Hands-on shopping guidance for employees
  • Customizable HRA design

Let’s Connect

Is an HRA right for you? Tell us a little bit about you, and we’ll connect you with the right people.

QSEHRA administration

QSEHRA administration is an important part of offering a Qualified Small Employer HRA. If you are considering reimbursing your employees tax-free for health insurance through a Qualified Small Employer HRA (QSEHRA), you’re probably wondering what to do about compliance, tax-time paperwork, onboarding, and other things you don’t have time for. Here’s how QSEHRA administration can take those things off your plate.

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, 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.

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.

See how easy it is

Do I need QSEHRA administration software?

We get a lot of folks asking whether or not they can administer their own QSEHRA.

Our best advice?

Don’t even think about it.

For one, since we are dealing with health insurance and employees’ health, privacy is a big deal. Things could get pretty uncomfortable for everyone involved. Then there’s the whole issue with the HIPAA Privacy Rule, which is another layer of protection for employees’ private health information. It’s also time consuming for business owners to keep up with the medical receipts, maintain all the health information in a secure way, and handle the paperwork that comes with it.

If you have a misstep, civil penalties can range from $100 to $50,000 per incident with no jail time to more serious offenses resulting in up to $250,000 in fines and 10 years in prison, especially if information was taken under false pretenses or disclosed on purpose. No thank you.

Have we convinced you? We thought so. Save yourself the energy and potential violation penalties and use a third-party administrator.

What should QSEHRA administration software do?

While not all administration tools are the same, there are certain things that every HRA administer should do. Remember these as you research the best benefits software for companies like yours.

QSEHRA Administration Setup

  1. QSEHRA Legal Plan Documents
  2. Employee MEC Verification
  3. IRS Deadlines
  4. Form 720 (PCORI)
  5. Year-end W-2 Reporting
  6. HIPAA and Privacy Compliance
  7. Support business owners
  8. Easy and quick online signup process
  9. 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
Get started

Help employees get the most out of their QSEHRA

  1. Provide helpful educational material to communicate to your employees the benefits of their new HRA and how to get the most out of it
  2. Support employees while they shop for an individual health insurance plan to use with their QSEHRA
  3. Robust onboarding process
  4. Answer questions along the way
  5. Easy platform to request reimbursements (like simply snapping a picture and uploading on phone)
Help empower employees
HRA admin time chart

of our clients spend less than an hour per month administering their HRA.

Join the growing trend

Frequently asked questions

When does an QSEHRA plan go into effect?

The great part about QSEHRA is that the plan can go into effect whenever you want it to. Just pick a start date. It’s as simple as that. For employees, they will have a special enrollment period to purchase health plans on the individual market when the QSEHRA begins, and then will renew or select a new plan each Open Enrollment after that (November 1–December 15 in most states).

Is this a replacement to a current plan or an addition?

Great question. QSEHRA can replace a group health plan but many small business owners use it as an on-ramp to offering health benefits. A rule to remember, however, is that QSEHRA cannot be offered in addition to a group health plan.

How can I determine if I’m eligible?

To determine if you’re company is eligible for QSEHRA, the only eligibility requirements are that you are, in fact, a small business (less than 50 full time equivalent employees) and do not offer a group health plan. For owner eligibility where you can participate in the plan, it would depend on how your business is set up.

What are the reimbursement policies?

There are a few QSEHRA reimbursement policies to remember. The most important one is that employees must be treated fairly in terms of their reimbursement amounts. The reimbursements are subject to annual maximums and become available to employees on a monthly basis. Unused funds stay with the employer and the reimbursements are funded solely by the employer, meaning employees can’t contribute. If this sounds confusing, don’t worry. A QSEHRA third party administrator will help you stay on track.

Want to learn more about our QSEHRA administration platform?

Where QSEHRA fits within the different types of administrative software


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