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What is QSEHRA?

Learn about Qualified Small Employer HRAs

The Qualified Small Employer HRA allows employers to reimburse employees tax-free for their individual health insurance.

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qualified small employer health reimbursement arrangements

How does QSEHRA work?

Simple Solution

Easily provide a benefits

solution for your employees.

Plan Compatibility

Works with a variety of plans like

spouse & alternative plans.

Affordable

Employers set friendly budgets

that work for their company.

QSEHRA Benefits

Provide a tax-free employee benefits solution

QSEHRA (we pronounce it “Q-Sarah”) was built to empower small employers with the ability to provide affordable benefits solutions for their employees. Is QSEHRA is right for you?

QSEHRA: Frequently Asked Questions

Looking for a quick answer? We've compiled all the questions we hear.

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Get to know QSEHRA. Visit our blog.

This one-pager shows how QSEHRA stacks up against ICHRA, the newest HRA.

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Be employer of the month.

Begin designing your QSEHRA today and be set up in minutes. You could start reimbursing your employees tax-free sooner than you think.

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Let's block out some time to talk through your questions and see if an HRA is a good fit.

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Drop us a note and we'll make sure it gets in the hands of the right person

We look forward to talking with you.

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Schedule a Call

Let's block out some time to talk through your questions and make sure you're all set.

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Drop us a note and we'll make sure it gets in the hands of the right person.

We look forward to talking with you.

To save some back-and-forth scheduling, please select a time below that works for you. We'll give you a ring!

We look forward to connecting with you.

Do you have questions? Great! We probably have some pretty good answers. Let us know what you need, and we’ll make sure the right team member gets connected with you.

What is QSEHRA?

As a small business owner with 50 or fewer employees, you don't have to be restricted to a rigid group plan to offer healthcare benefits. The solution? A qualified small employer health reimbursement arrangement (QSEHRA) that puts the power back in your hands. With Take Command's QSEHRA administration software, you can customize your plan structure while your employees choose the healthcare insurance plan that's best for them. Say goodbye to outdated requirements and hello to a better way forward.

How does QSEHRA help small businesses? 

With a QSEHRA, small to medium sized businesses can stand out in the job market and retain exceptional employees by offering customizable healthcare benefits. Traditional group health insurance plans don't always align with the needs of small businesses, making it difficult to keep up with outdated requirements such as expensive renewals and mandatory participation.

  • Pricey renewals
  • Paying for things your employees don’t want or use
  • Group participation requirements
  • Taking on risk

Don't be afraid to break free from traditional molds and discover a solution that caters to your unique business needs. QSEHRA puts the power in your employees' hands by allowing them to choose their own individual health insurance plan. As an added bonus, you reap the benefits of reimbursing them for the cost, including tax efficiency, flexible plan design, budget control, and optimized benefits. Say goodbye to the hassle of health insurance risk management and embrace a better way forward.

  • Tax efficiency
  • Flexible design
  • Budget control
  • Optimized benefits
  • You can get out of the health insurance risk management game

Sounds awesome, right? 

QSEHRA rules

QSEHRA rules for employers and employees include some standard HRA rules associated with every HRA account. For example, the business owns the HRA, not the employee. Only the company can put money into the HRA, HRA funds do not earn interest, and the business determines the amount contributed to the HRA. 

Employees can use QSEHRA money to pay for personal and family medical expenses. The rules for reimbursement from a QSEHRA are found in IRS Publication 502, and any unused money stays with the business. Rollover of funds for employees with a QSEHRA is not guaranteed. Rollover depends on the type of plan and the business's decision about allowing it or not. 

→ Deep dive into HRA Account Rules 

What are the QSEHRA rules and 2023 QSEHRA limits? 

As a small business owner, you can now contribute up to $5,850 for individual employees and $11,800 for employees with a family through QSEHRA, an increase from the 2022 limits. And the good news? The 2023 QSEHRA limits have increased by $400 for individual employees and $750 for employees with a family annually. With Take Command's qualified small employer health reimbursement arrangement software, you can easily offer personalized benefits and enjoy tax advantages while your employees enjoy the freedom to choose their own health insurance plan. Let us guide you through the QSEHRA rules, 2023 QSEHRA limits, and customized plan design for maximum flexibility and control.

  • Flexible Designs: Tailor your plan to meet the specific needs of your diverse workforce. With QSEHRA, employers have the flexibility to offer varying reimbursement amounts for each employee group based on unique class distinctions.
  • Simple Administration: Let Take Command guide you through the entire process of QSEHRA design and management, from compliance and reporting to employee communication and ongoing employer support. Our team will ensure that you are well-versed in the QSEHRA rules, 2023 QSEHRA limits, and the various ways in which QSEHRA funds can be utilized. Let us help you customize your plan for maximum flexibility and control, all while enjoying tax advantages and satisfied employees.
  • No Minimum Contribution Requirements: Customization is key with QSEHRA, and you can set different reimbursement allowances based on family status without worrying about minimum contribution requirements. The only limit is the maximum contribution, giving you the freedom to design a plan that fits your business needs.
  • Tax-advantaged: With QSEHRA, employers can enjoy the perk of tax exemption while employees with minimum essential coverage (MEC) can also benefit from tax-free reimbursements.