As a small employer (fewer than 50 employees), you are exempt from the requirements of the Affordable Care Act and need not offer your employees medical coverage.

But if you desire to give your employees medical coverage, consider the qualified small-employer health reimbursement arrangement (QSEHRA) as one of four good ways to help your employees with their medical expenses.

In this first article of four on small-business health plans, you will learn how the QSEHRA medical plan benefits both the employer and employees, as well as who qualifies and who doesn’t.

Key point. The QSEHRA enables an employer to reimburse individually purchased insurance without suffering the $100-a-day-per-employee penalty. This makes the QSEHRA an attractive plan (no penalties and employees buy their own insurance).

Benefits for You, the Business Owner

When deciding on health plans for yourself and your employees, you have a variety of considerations depending on how you conduct your business.

Sole Proprietors and Single-Member LLCs

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