Setup in 14 minutes. $49/mo flat. No broker, no $1,500 setup fee, no annual contract — ClaimSage handles the IRS-compliant plan document, limit tracking, and 90-day employee notices.
Broker + admin estimate: $75/employee/month. Adjust your premium contribution above to match your situation.
No per-employee fees. No annual contracts. $49/month flat — cancel any time.
One flat rate. All the compliance tools you need to run QSEHRA without a broker.
Pay nothing today. We charge $249 one time after your first successful employee reimbursement.
Compare to broker setup fee: typically $1,500–$3,000 one-time → see full comparison
Enter employee count, pay schedule, and your monthly reimbursement budget (up to the 2026 IRS caps). Takes under 2 minutes.
QSEHRA requires a written plan document and a 90-day employee notice. We generate both — formatted for 2026 IRS requirements, stored in your dashboard, ready to sign.
Employees submit health insurance receipts. You approve in one click. We track every dollar against the IRS cap and alert you before any employee goes over.
IRS-compliant written QSEHRA plan doc, updated each year for new limits automatically.
Auto-generated annual notice template, ready to email or print — no lawyer needed.
Employees upload receipts; you approve in one click with a running YTD total visible at a glance.
Alerts at 75% and 100% of each employee's annual limit — no over-reimbursement risk.
Invite employees, assign coverage classes (FT/PT), and set individual allowances in 2 minutes.
Export full reimbursement history any time — built for your accountant or an IRS inquiry.
| Setup time | Monthly cost | Per-employee fees | Compliance handling | Plan flexibility | |
|---|---|---|---|---|---|
| ClaimSage | Under 14 minutes | $49 flat | $0 | Auto-enforced (IRS cap, 90-day notice, plan doc) | Any individual plan; class-based allowances |
| Traditional broker | 2–4 weeks | ~$250–$500/mo retainer + fees | $50–$100/employee/mo broker fee | Manual; varies by broker | Group plan only; lock-in |
Numbers reflect typical small-group broker pricing in the 2–15 employee band. ClaimSage price matches our published $49/mo plan.
"I was quoted $2,400 by a broker just to set up our QSEHRA plan. I did the whole thing on ClaimSage in about 20 minutes. The plan document looked exactly like what the broker showed me."
"My broker said it would take 2–3 weeks to get the plan set up and compliant. ClaimSage had my plan document and employee notices ready the same afternoon I signed up."
"I was nervous doing this without a broker, but the compliance docs were all auto-generated. My first employee submitted a receipt three days after we launched. The approval took me 30 seconds."
All plan documents, employee notices, and reimbursement workflows follow IRS Notice 2017-67 guidance — the official QSEHRA compliance framework.
Written plan document, 90-day employee notice, IRS limit enforcement, and audit-ready reimbursement export — generated and tracked automatically.
An illustrative example based on a 3-person consulting firm: switched from a small-group broker plan to QSEHRA + ClaimSage, replacing $310/employee/month in broker and admin overhead with $49/month flat.
Names redacted; figures shown are illustrative.
QSEHRA is IRS-codified under the 21st Century Cures Act. The compliance rules are clear — ClaimSage just enforces them automatically so you don't have to.
Start for $49/mo →Start your 14-day free trial. No credit card required. Cancel anytime.
Start 14-day free trial →14-day free trial · Cancel anytime · No broker, no contract