As a trusted advisor to your small business clients, you play a crucial role in helping them make smart financial decisions—including how they offer health benefits. Many employers aren’t aware that modern options like Individual Coverage HRAs (ICHRAs) and Qualified Small Employer HRAs (QSEHRAs) can provide a tax-efficient, compliant way to support their team’s healthcare needs. This guide walks you through how these tools work—so you can help your clients reduce costs, stay compliant, and offer meaningful benefits.
