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Group Health Alternatives

Traditional Group Health Plans are going out of Style







Jon Courchaine- Published 02/03/2023

Owner- Aloe Health Insurance


Business owners that provide Health Insurance to their employees are used to the yearly rate hikes and wonder how much their Health Insurance is going to cost next year. Its time to get out of the rut and take control of your spending. I am going to go over a brief Review on alternatives and their major differences.






QSEHRA or (Qualified Small Employer Health Reimbursement Arrangement)

  • Allows non-Taxed reimbursement of certain health care expenses

  • Business must be 50 full-time employees or less

  • Arrangement must be offered the same across the company Ex. (Larry the manager has been at the company for 10 years and gets up to $200 towards his Health Insurance Premium per month, so does Bill who started last year and is in an entry level position)





The newer version is the ICHRA which is an improvement on the previous QSEHRA. Check out the comparison.



ICHRA or (Individual Covered Health Reimbursement Arrangement)

  • Allows non-Taxed reimbursement of certain health care expenses

  • Business can be any size Small or large Small

  • Employees are put into Classes Ex (Salaried, Hourly, Location, Seasonal) There are 11 allowable classes. The Reimbursement can be different for each.


These plans eliminate the fluctuation in Prices from a Traditional Group Health Plan. The only change in price is if your company grows and you hire more people. Along with the Cost benefit the employees would now have options and a choice in their coverage.


If you are Interested in any of these plans reach out to learn more!

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