Group
Health Reimbursement Arrangement
Employer-funded, tax-advantaged healthcare dollars.
An HRA lets employers reimburse employees tax-free for qualified medical expenses or individual health insurance premiums (ICHRA/QSEHRA) — flexible for small businesses that don't want a traditional group plan.
Why it matters
- Tax-deductible for the employer
- Tax-free for employees
- ICHRA, QSEHRA, and integrated HRA options
- Predictable, employer-defined budget
Typically included
- · Reimbursement of qualified medical expenses
- · Individual premium reimbursement (ICHRA/QSEHRA)
Usually not included
- · Cosmetic procedures
- · Non-qualified expenses
FAQ
Questions we hear about Health Reimbursement Arrangement.
ICHRA vs QSEHRA?+
QSEHRA is for employers under 50 FTEs with no group plan and has annual contribution caps. ICHRA has no employer-size cap and no contribution limit.
Can it replace a group plan?+
Yes — ICHRA and QSEHRA are designed as alternatives to traditional group coverage.
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