6 questions, no signup until the end. Get a personalized fit score, an estimated annual savings, and three next steps — including a 14-day free trial of our $49/mo self-funded setup.
6 questions · 2 minutes✓ No claim data — employer-coach only✓ Unsubscribe anytime✓ IRS Notice 2017-67 aligned
Is QSEHRA legal?
Yes — QSEHRA was authorized by Congress under the 21st Century Cures Act (Dec 2016) and is governed by IRS Notice 2017-67. As long as the employer follows IRS rules (written plan, 90-day employee notice, stays within annual caps) it's fully compliant. Full FAQ →
Who qualifies?
You must have fewer than 50 full-time-equivalent employees (the ACA small-employer threshold) and not offer any group health plan. Sole proprietors usually can't participate themselves, but they can offer it to W-2 employees. Full FAQ →
Does it need a broker?
No — the IRS doesn't require one. Many employers pick a third-party administrator (TPA) for plan documents, notices, and reimbursements — typical cost is $20–$50/mo. You can also DIY using IRS Notice 2017-67. Full FAQ →
Does it affect my ACA subsidy?
Yes — your QSEHRA benefit reduces your ACA Premium Tax Credit (PTC) dollar-for-dollar at tax time. If the benefit makes your net second-lowest-cost silver plan premium "affordable," you lose PTC eligibility for that month. Your employer reports the amount on your W-2 Box 12, Code FF. Full FAQ →
What about the 90-day notice requirement?
QSEHRA must be in writing with a proper employee notice delivered at least 90 days before the plan year begins. The same 90-day window applies to mid-year termination or material modification. Our $49/mo plan auto-generates the notice. Setup guide →
Question 1 of 7
~20s
Question 1 of 7
Are you an employer setting up benefits, or an individual exploring QSEHRA for yourself?
Question 2 of 7
How many employees do you have?
Fewer than 50 FTEs is the IRS small-employer threshold — pick the bucket that matches headcount today.
Question 2 of 7
Got it — what does your current health coverage setup look like?
Self-employed? Tell us your baseline so we can map QSEHRA vs Marketplace + HSA apples-to-apples.
QSEHRA is designed for employers, but if you're self-employed you may be interested in how individual coverage + your own contributions compare. Tell us your baseline.
Question 3 of 7
What do you currently spend on health benefits per month? (best guess is fine — use 0 if none)
Best-guess is fine — including $0. We use this to estimate IRS-cap headroom, not to quote.
$
Question 4 of 7
Want your results saved? Drop your email — we'll bank them even if you bounce.
We bank your answer for when-you're-back. Skip is 1 click below.
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Please enter a valid email address.
No signup. No password. Just the recap.
Question 5 of 7
What's your biggest pain point right now?
Pick the one that costs you the most sleep — our next steps adapt to the bottleneck.
Question 6 of 7
When are you looking to make a decision?
Timing matters because QSEHRA needs a 90-day employee notice before plan-year start.
Question 7 of 7
Where should we send your fit results?
Please enter a valid email address.
Estimates only — informational, not a binding quote. Confirm with your accountant before establishing an HRA.
Next step · Calculator
Run your full personalized savings report
See projected annual cost vs. your current spend, tuned to team size, employee class, and your current coverage state. Saves a PDF you can forward to your CFO.
If you have 50+ employees or mixed coverage needs, ICHRA might be the better fit. Side-by-side mechanics, IRS limits, and the 90-day notice requirement.