HRA, ICHRA and QSEHRA
Reimbursement-based benefits structures: when each one fits and how to choose between them.
6 guides
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Health Reimbursement Arrangements 101: A Plain-English Guide
Health reimbursement arrangements (HRAs) let employers fund employee healthcare costs with pre-tax dollars. Here's what they are, how they work, and the different types small businesses can offer.
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HRA vs HSA: What's the Difference and Which Should Your Business Offer?
HRAs and HSAs both deliver tax-advantaged healthcare dollars, but they work differently. A side-by-side comparison of ownership, funding, tax treatment, and plan requirements, plus how to decide which fits your business.
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What Is an ICHRA? The Individual Coverage HRA Explained for Employers
An ICHRA lets employers fund individual market health coverage with pre-tax dollars instead of sponsoring a group plan. Here's how it works and when it's the right fit.
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ICHRA Pros and Cons: Is It the Right Move for Your Team?
An ICHRA can be a flexible, tax-efficient alternative to a group health plan, or a poor fit, depending on your workforce. Here's the honest pros and cons assessment.
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ICHRA vs QSEHRA: Which Health Reimbursement Arrangement Fits Your Small Business?
Both ICHRA and QSEHRA let small employers fund individual coverage tax-free, but they differ on size limits, contribution flexibility, and class design. Here's the comparison.
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QSEHRA Limits for 2026: What Small Employers Need to Know
The 2026 QSEHRA limits are $6,450 a year for self-only coverage and $13,100 for family coverage, per IRS Revenue Procedure 2025-32. How the caps work, how proration works, and what to do if you want to give more.
