FAQs | Surency

For an employee who enrolls in a qualified health plan on the Health Insurance Marketplace, his/her health care premium tax credit may be reduced or eliminated by the benefit available under the QSEHRA.

You can be reimbursed for qualified medical expenses purchased for you and your family or the funds may be used to reimburse health insurance premiums. Each expense submitted for reimbursement must include documented proof that it was a qualified medical expense before Surency can reimburse you. You can be reimbursed for expenses incurred as of the effective date of the QSEHRA or the date the eligible employee first became eligible for the QSEHRA (not before). You cannot be reimbursed for expenses that were deducted from any prior year tax returns.

A QSEHRA generally is funded solely through your employer’s contributions without any employee salary reduction contributions. You must provide proof of Minimal Essential Coverage (MEC) as defined by the ACA before you and your family members are reimbursed for any incurred qualified medical expenses. Annual reimbursement limits for a QSEHRA are $5,050 per employee or $10,250 per family. If your coverage is for less than an entire year, these limits would be prorated.

A Qualified Small Employer Health Reimbursement Arrangement (QSEHRA) is an employer funded “health plan” that may be used to reimburse employees for qualified medical expenses, including individual health insurance premiums.

QSEHRA FAQs

What is the impact of QSEHRAs on subsidized coverage?

What can I use my QSEHRA for?

How are QSEHRAs structured?

What is a Qualified Small Employer Health Reimbursement Arrangement (QSEHRA)?

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