QSEHRA vs ICHRA: What's The Difference

QSEHRA vs ICHRA Comparison

Employer Size

Fewer than 50 full-time employees

Any size

Insurance Requirement

Individual, Medicare, Spouse’s employer plan, COBRA, or TRICARE (must meet MEC)

Individual or Medicare (must meet ACA requirements)

Classes

Same benefit for all eligible employees

Can vary by employee class (e.g., full-time, part-time, seasonal)

Annual Contribution Limits

Yes, set annually by the IRS

No limit

Premium Tax Credits (PTC)

If affordable, PTC not available; if not affordable, PTC reduced by QSEHRA amount

If affordable, PTC not available; if not affordable, employee can opt out and claim PTC

Employer Resources

ICHRA vs QSEHRA: Which HRA Is Right for Your Business?

Learn everything you need to know about QSEHRAs

Explore guides, calculators, and resources for every HRA topic

HRA Administrator Comparison

Per Participant Per Month

$14

$19

$20–$22

$20

$45

Platform Fee

$35

$40

$50

Onboarding Fee

$150

Min Employees

Reimbursement Model

Automated

Manual

Pay Model

✔

Insurance

✔

QSEHRA

✔

Why Businesses Choose Salusion

Simple, Low-Cost Pricing

No setup fees. No platform fees. No minimums. Pay only for employees who use it. The lowest-cost HRA on the market—simple, transparent, affordable.

Easy to Set Up. Easier to Administer

Set up your HRA in 15 minutes. From compliance to expense tracking to reimbursements, everything runs automatically. Salusion is the only small-business HRA with ACH reimbursements built in—so you spend almost no time managing it.

Built-In Employee Insurance Enrollment

Employees can compare plans and purchase individual health coverage directly through Salusion.

Real People. Expert Support

Most emails are answered in under an hour. Same-day Zooms with an expert give employers and employees confidence their issue will be solved quickly and completely.