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No 1-800 numbers and no online quote mills — just licensed Minnesota agents out of our Chaska office who pick up the phone when your plan changes and actually remember your name.
QSEHRA and ICHRA are reimbursement arrangements that let you give employees tax-free dollars toward their own individual health insurance, instead of sponsoring a traditional group plan. They’re flexible, predictable, and often a great fit for smaller or distributed teams. We’ll help you figure out which one fits.
Traditional group plans come with participation rules, renewals that swing, and a one-size-fits-all design. For a lot of small employers, that’s more than they want to take on just to help their people get covered.
Reimbursement arrangements flip the model: you set a budget, employees pick the plan that fits them, and you reimburse tax-free. We’ll set it up right.
The Qualified Small Employer HRA is for businesses with fewer than 50 full-time employees and no group plan. You reimburse employees tax-free for premiums and qualifying medical costs, up to annual limits set by the IRS.
The Individual Coverage HRA works for employers of any size. You set reimbursement amounts — and can vary them by employee class — and employees use it toward individual plans they choose themselves.
In both cases, employees shop for their own individual coverage (we can help them do that through MNsure or off-exchange), and you reimburse tax-free. You get budget control; they get to pick the plan and network that fit their life.
The short version: QSEHRA is simpler and built for small employers, with IRS-set annual caps on how much you can reimburse. ICHRA has no contribution cap and works at any size, with more flexibility to offer different amounts to different employee groups — but a few more rules to follow. We’ll walk through your headcount, budget, and goals and tell you which one is the cleaner fit.
Tell us about your team and a licensed agent will help you compare QSEHRA, ICHRA, and a traditional group plan.
We’ll get back to you within one business day.
No 1-800 numbers and no online quote mills — just licensed Minnesota agents out of our Chaska office who pick up the phone when your plan changes and actually remember your name.
