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QSEHRA administration

Enjoy the Benefits Small Employer HRA Administration

QSEHRA management has never been easier. Design and launch your plan in minutes with Take Command's software, and enjoy the benefits of the best QSEHRA administration on the market.

  • Manage benefits in an hour or less per month
  • Offer health insurance on your budget & save on taxes
  • Boost recruitment and retention in a tight hiring market
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What is QSEHRA?

A Qualified Small Employer Health Reimbursement Arrangement (QSEHRA) is a flexible health plan 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 traditional group insurance.

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.

Take Command QSEHRA Administration

We talk to a lot of small business owners. Oftentimes, they're wearing too many hats and don’t have the time or expertise to manage health insurance.

That’s where QSEHRA administration comes in. As the best QSEHRA administrator, Take Command has invested in the small business experience. We understand that schedules are tight, so we’ve designed our QSEHRA management software for speed and hands-off management. That means we do the heavy lifting so you can focus on your business.

Launch QSEHRA with the Experts

Custom Design

Design the ideal small employer HRA in a few clicks

Simple, Yet Smart

Easy-to-use, mobile friendly interface for everyone

Affordable

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

Why QSEHRA?

There are several reasons why more and more small businesses are signing up for QSEHRA.

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 to compete for talent without offering health benefits. 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 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).

Offer Personalized Benefits hero

Checkbox completed icon Offer Personalized Benefits

Employees aren’t one-size-fits-all, and their health benefits shouldn’t be either. There are a lot of QSEHRA options that allow 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 plan manager for employees and a guide for employers. If they're great at their job (like Take Command!), they'll deliver a smooth experience, ensure compliance, and be an effective employee liaison. Your QSEHRA admin helps every step of the way and does the heavy lifting so you don’t have to worry about all the complexities and confusion surrounding health insurance.

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 automatically send out all of the IRS required communications to your employees.

And if employees have questions? We’re here to help! We’ll assist employees in setting up their existing health plan for reimbursement or shopping for a new one that covers their doctors and prescriptions. Our licensed health professionals are eager to help employees optimize their 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

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Starting at
$20/mo
Per Employee
  • Personalized onboarding & support
  • Hands-on shopping guidance for employees
  • Customizable HRA design
QUALIFIED SMALL EMPLOYER HEALTH REIMBURSEMENT ARRANGEMENT QUESTIONS?

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.

Do I need QSEHRA administration software?

We get a lot of folks asking whether they can administer their own QSEHRA.

Our best advice?

Don’t even think about it.

For one privacy is a big deal. Since we are dealing with health insurance and employees' health things could get pretty uncomfortable for everyone involved. Then there’s HIPAA, 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.

Save yourself the energy and potential violation penalties and use a third-party administrator.

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What should QSEHRA administration software do?

While not all administration tools are the same, there are certain things that every HRA administrator should do. Remember these as you research the best benefits software for small businesses.

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
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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. Provide a robust onboarding process
  4. Answer questions along the way
  5. Offer an 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
 

QSEHRA Compliance: Ensuring IRS and ACA adherence

With our QSHERA administration software, your business stays IRS and ACA compliant while your employees enjoy access to affordable health benefits. We consistently update our platform with the latest IRS mandates to inform you and your employees about any changes. Plus, you can verify employee reimbursements and download W-2 and expense reports for seamless tax filing. 

QSEHRA vs. Traditional Group Health Plans

QSEHRA offers multiple advantages over a traditional group health plan for both employers and employees.

 

QSEHRA

Traditional Group Health Plans

Ideal organization size

Best for employers with 50 or fewer employees

Available to businesses of any size but required for employers with 50+ employees

Plan selection

Employees have the freedom to choose their plan

Employers choose a group plan for all employees

Contributions

Employers set the amount for monthly reimbursements

Employers and employees contribute to the plan premium

Costs

The employer controls costs

Premium costs increase on an annual basis

Reimbursement

Employees receive tax-free reimbursements after meeting the minimum essential coverage

A traditional group health plan must be ACA-compliant for coverage and affordability 

Coverage

Covers premiums and medical expenses

Only covers premiums; employees pay for out-of-pocket expenses

Contracts

No contracts needed 

Employers and employees are locked in and rarely can switch plans

 

Frequently asked questions

When does a 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 your 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.

What can QSEHRA funds be used for?

Employees can use QSHERA funds to pay the premium for the individual health insurance plan they choose through the marketplace, a direct insurer, or Medicare. This premium qualifies for small business health reimbursement as well as the following medical expenses:

  • Doctor visits and co-pays
  • Prescriptions
  • Dental and vision 
  • Mental health services
  • Any necessary medical equipment (wheelchairs, crutches, etc.)
  • Other out-of-pocket health care costs. 

Employees must show proof of expenses to receive reimbursement for these funds.

Want to learn more about our QSEHRA administration platform?

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Where QSEHRA fits within the different types of administrative software

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