Who is eligible to participate in a QSEHRA?
The QSEHRA is an alternative to traditional group health insurance for small organizations with fewer than 50 full-time equivalent employees. But who can participate in a company's QSEHRA benefit? Organizations must offer their QSEHRA to all full-time W-2 employees. They can choose to extend the benefit to part-timers.
To participate, eligible employees must have health insurance coverage that meets minimum essential coverage standards. Individual health plans from the public exchanges and most group health plans from a spouse or parent qualify as MEC. You must also be a W-2 employee. Contractors can't participate in a QSEHRA. Business owners can also participate if the IRS considers them a W-2 employee, such as a C corp owner.
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