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Health Reimbursement Arrangements (HRA’s)

Whether you’re a large employer seeking more consistent out-of-pocket costs or a small business owner who’s just getting started, health reimbursement arrangements (HRAs) are an excellent employee health insurance solution.

 

We have deeper information on both Individual Coverage Health Reimbursement Arrangements (ICHRAs) or Qualified Small Employer Health Reimbursement Arrangements (QSEHRAs). It’s important to know the differences to choose what is best for your business.

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HRA Basics (PDF)

HRA Team

ICHRA vs. QSEHRA Comparison (PDF)

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HRA Payment Options (PDF)

View plans for employees with an HRA, here.

Individual Coverage Health Reimbursement Arrangements (ICHRAs)

  • Any business of any size can participate
  • There is no contribution maximum for ICHRAs
  • All employees can be eligible based on the employee class determined the ICHRA design
  • A group plan can be offered by the employer as long as it’s not offered to the same employee class that receives the ICHRA
  • Employees participating in the ICHRA are not eligible for Advanced Premium Tax Credit (APTC)
  • Employees must have individual health insurance to participate.

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Learn more about ICHRA basics, here (PDF). 

Qualified Small Employer Health Reimbursement Arrangements (QSEHRAs)

  • Businesses with up to 50 full-time employees can participate
  • Contribution maximums apply and can change annually
  • All full-time employees are automatically eligible, and if determined by the employer, part-time employees may also be eligible
  • Employees can receive different HRA contribution amounts. The contribution amount can be adjusted based on employee family status, age, and family size
  • Employees participating in the QSEHRA are eligible for Advanced Premium Tax Credit (APTC)
  • Employees must have individual health insurance to participate.

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Learn more about QSEHRA basics, here (PDF). 

Employer Resources