QSEHRA experiences?
October 17, 2023 3:05 AM   Subscribe

I work at a tiny nonprofit (less than 5 FT staff) and we are exploring a QSEHRA since we cannot afford to provide a decent health plan. I'm interested in hearing about QSEHRAs from the experience of people using them (employees) and from the experience of an employer, and any reviews/recommendations for companies to administer. Or, are there guilds we can join to make health insurance more affordable and offer a group plan?

Basically what it says above - we'd like to expand our benefits to include some health coverage but we can't afford to offer a full health plan. We have read about QSEHRAs online and are interested in potentially signing up for one but 1. are curious about whether employees like them, and 2. we would need to hire a company to administer it as we do not have the staff expertise, any experiences on this from the employer side? Based on Google there are several companies that we have never heard of that do this, but it's hard to tell if they are any good or which one is best. Our admin staff do not have the expertise to manage a plan themselves.

We'd also consider signing up for a plan if we can find a way to join a larger collective so that it's more affordable, and our admin staff aren't administering the plan - we need professional support on this. We have staff in multiple states. We are headquartered in a US state that has a good state exchange but it's still extremely expensive. We are not required to provide insurance due to our small size. (Please do not attack us for not providing insurance. We are aware it's a problem. It is extremely expensive and complicated to provide insurance at this size.)

Anon because I don't want to link my personal & work questions.
posted by anonymous to Work & Money (3 answers total) 2 users marked this as a favorite
 
My employer offers a QSEHRA, and I've had a reasonably good experience with it. It's a small company with employees in multiple states, so traditional employer-sponsored health insurance wouldn't be feasible. Even the maximum reimbursement doesn't fully cover my premiums, but it's much better than nothing. We use Take Command Health to administer the plan, which has been pretty frictionless from my perspective as an employee.
posted by jedicus at 6:16 AM on October 17, 2023


Some ways to get access to a larger group plan might be through a Professional Employer Organization, where the third-party PEO becomes the employer of record for your staff, or by being fiscally-sponsored by a larger organization that provides group insurance to staff of sponsored orgs.
posted by expialidocious at 4:16 PM on October 17, 2023


We'd also consider signing up for a plan if we can find a way to join a larger collective so that it's more affordable, and our admin staff aren't administering the plan - we need professional support on this.

I’d just mention that this generally isn’t easy to do, particularly with individuals in multiple states, as there are federal and state laws that treat a multiple employer welfare arrangement (MEWA) much more strictly than a single employer plan. In other words, it’s not as simple as banding together with other employers or individuals and buying an insurance policy. It’s doable!
posted by Pax at 4:39 PM on October 20, 2023


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