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NO GROUP HEALTH PLAN?




NO PROBLEM!

With an EMPOWER HRA, you can reimburse your employees Tax-Free for premiums and
eligible healthcare expenses…even if you don’t offer a Group Health Plan!

EMPOWER’s Qualified Small Employer HRA (QSEHRA) and Individual Coverage HRA
(ICHRA) allow employers to legally reimburse employees for individual coverage
premiums and eligible healthcare expenses.




WHICH PLAN IS RIGHT FOR ME?




QSEHRA

Best for Small Businesses


ICHRA

Employer Size

Only open to employers who are not Applicable Large Employers (ALE). This means
that a QSEHRA is only for employers with fewer than 50 full-time equivalent
employees. 

Open to employers of all sizes.

Group Health Plan Offering

The employer cannot offer a Group Health Plan to any employees.

Employers can segment employees by class and offer an ICHRA to one or more
classes. The same employee cannot be offered a Group Health Plan and an ICHRA,
however.

Annual Employer Contribution Limits

The QSEHRA is subject to annual contribution limits. Download our Employer HRA
Guide for this year’s limits.

There are no annual contribution limits.

Can Contributions vary by Employee?

The QSEHRA contribution can vary based on number of covered members and age.

In addition to variations based on number of covered members and age, the
contributions can vary by employee class.

Effect on Premium Tax Credit for Employees

Employees cannot opt out of the QSEHRA. The employee’s premium tax credit is
reduced by the amount of the HRA contribution.

Employees can opt out of the ICHRA. Employees cannot receive the premium tax
credit if the ICHRA provides affordable coverage or if the employee does not opt
out. Download our Employer HRA Guide for more details.

Employee Eligibility

Employers can exclude part-time and seasonal employees from the QSEHRA. To be
eligible for reimbursement, a covered member must be covered by Minimum
Essential Coverage (MEC).

To be eligible for reimbursement, the covered member must be covered by
individual coverage insurance or Medicare parts A and B or Part C.

Can I offer a QSEHRA and an ICHRA?

No. Employers should choose the best plan that meets their needs.

Can business owners participate?

Owners of C corporations can participate. However, 2% or more owners of
pass-through entities like LLCs cannot participate.

Can employees contribute to a QSEHRA or ICHRA?

No.

Can I offer my executives a plan with a larger contribution?

No. the contributions cannot vary outside of number of covered members, age, and
employee class.




WHAT IS COVERED?



QSEHRAs and ICHRAs cover IRS §213(d) expenses. Employers can set up the Plan to
reimburse a subset of these expenses.

Premiums

 * Individual health insurance coverage purchased on or off the exchange
 * Medicare (Parts A, B, or C)

Health Expenses

 * IRS §213(d) including:
   * Office visit copays
   * Prescriptions
   * Dental visits
   * Eye glasses and exams
   * Insurance plan deductibles


How can I choose the eligible expenses for my employees?

Employers choose the eligible expenses when the plan is first set up. We can
assist you during the initial setup call.

What about employees who have insurance through their spouses' group health
plans?

An employee cannot opt into the ICHRA in this scenario because he or she is not
covered by individual insurance. The employee would be ineligible for an
reimbursement through the ICHRA.

The employee would be eligible for reimbursement for a QSEHRA if the coverage is
MEC. The employee could be reimbursed for health expenses that are allowed on
the plan. The employee’s share of the premiums on their spouse’s plan can be
reimbursed, but this is taxable to the employee. Most employers choose to
exclude taxable reimbursements from the plan.

Can unreimbursed employee paid premiums go through payroll pre-tax?

Yes! EMPOWER can modify the plan document to allow employees to run unreimbursed
premiums (for non-exchange plans only) pre-tax through payroll.




HOW DOES IT WORK?

Setting up a QSEHRA or ICHRA is easy because EMPOWER does the hard part! You and
your employees will love how simple it is to use your plan.



Step 1: Setup Meeting

Once you decide on the right plan for you, EMPOWER will host a virtual meeting
with you and your team to discuss the following:

 * Plan options
   * Contribution amount and frequency
   * Covered members
   * Eligibility
   * Eligible expenses
   * Start date
   * Carryover of unused funds into the next plan year
 * implementation timeline
 * We are here to answer your questions
   

We will provide employers with the following documents based on the selected
plan options:

 * IRS-compliant notice for employees
 * Plan Document and Summary Plan Description

Step 2: Send Notice to Employees

Employers are required to send an official notice to all newly eligible
employees. EMPOWER provides you with an IRS-compliant notice and a welcome guide
to distribute to your employees.

Step 3: Employees seek Coverage

Employees must purchase and maintain coverage to be eligible for reimbursement.
Your employees will have time after receiving the notice to purchase coverage.
EMPOWER provides an enrollment form for employees to provide the details of
their coverage.

Step 4: Employees get reimbursed

Employees purchase eligible expenses and file claims to EMPOWER for
reimbursement. EMPOWER substantiates all claims and sends reimbursement through
check or direct deposit.

All employees are required to attest to their current coverage when submitting
claims. Claims sent without attestation cannot be reimbursed.

Step 5: Reporting

QSEHRAs and ICHRAs have reporting requirements during the year and on the
employees’ W-2 form. Download our Employer HRA Guide for additional information.




WHY EMPOWER?



EMPOWER has been in operation since 1996 serving employers in the Midwest and
across the Nation.

We know that Benefits can be daunting for many employers. that’s why we have
developed our Human Touch difference. The Human Touch difference means:

Personal Account Manager

At EMPOWER, you are not just a number. Every employer is given a Personal
Account Manager to answer questions and resolve issues. Participants can also
reach our customer service team directly.

Convenient Reimbursement Options

 * Direct deposit right to participants’ bank accounts
 * Check register for employers who wish to reimburse participants directly
 * Checks sent to participants

Automated Data Integration

EMPOWER offers automated data integration with select Human Resource Information
Systems (HRIS) and Payroll system vendors. Automation creates an automatic,
seamless integration between your system and EMPOWER’s.

Next Business Day Claims Processing

 * Clean claims are reviewed and paid the next business morning.
 * There is only a $1 reimbursement threshold for paper checks ($25 check
   minimum is the industry average)

Online Portal and Mobile App

We live in a connected, on-the-go world. Participants and HR professionals
expect their benefits to be accessible when and wherever their lives take them.
EMPOWER’s Online Portal and Mobile App (iOS and Android) are powerful tools that
allow employers and participants to conveniently manage their benefits.




EMPOWER'S HUMAN TOUCH WORKS!

BELOW ARE ACTUAL TESTIMONIALS FROM EMPOWER CLIENTS



“I love EMPOWER and how fast Evan responds to my emails. He’s very knowledgeable
and my employees trust him to handle all their needs. Thank you and keep up the
GREAT work!!”

“We are so happy with EMPOWER. Our questions are always answered quickly, and I
appreciate the friendliness and professionalism of Jeannie and Ashley. Your
company provides a wonderful benefit to our company.  Thank you!”

“EMPOWER has surpassed our expectations. Choosing EMPOWER was a great decision
for our benefits administration team. I appreciate all of the assistance that is
provided on the administrative side as well as the prompt replies to our
questions.”

“I encourage everyone I speak to download the EMPOWER Flex Mobile App. I use the
app and it’s so easy and handy.  Everything is right there at your fingertips.
Thank you all for all you do!”





PRICING



QSEHRA

Start today on a QSEHRA plan for your employees!

Click here for pricing

ICHRA

Find out how affordable an ICHRA plan is!

Click here for pricing




HOW DO I GET STARTED?




EMPOWER'S


BENEFITS SOLUTIONS GUIDE

EMPOWER’s Benefits Solutions Guide takes the guesswork out of benefits by
providing a comprehensive synopsis of each plan type, as well as comparisons and
sample scenarios.
Download the Benefits Solutions Guide
EMPOWER
Advanced Plan Administration with the Human Touch
Call (800) 819-9571
EMPOWER SERVICES

Empower provides administration for:
• Flexible Spending Accounts (FSAs)
• Health Reimbursement Arrangements (HRAs)
• Health Savings Accounts (HSAs)
• COBRA Administration
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CONTACT US

7309 E 21st St North, Ste 110
Wichita, KS 67206
(800) 819-9571
info@hra.empowerflex.com
sales@hra.empowerflex.com
customerservice@hra.empowerflex.com
EMPOWER is proud to be a certified woman-owned business
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Property of Family Health America, L.C.