Individual Coverage

Individual Coverage HRAs (ICHRA), QSEHRAs, and other ways employers can help employees buy their own individual health insurance instead of offering a traditional group plan.

Individual Coverage Topics

ICHRAs

Individual Coverage HRAs.

QSEHRAs

Qualified Small Employer HRAs.

Premium Tax Credits

ACA Marketplace subsidies and how HRAs interact with them.

Marketplace

Buying individual coverage on HealthCare.gov or a state exchange, and open-enrollment timing.

Short-Term Plans (STLDI)

Temporary, limited coverage for brief gaps, and its federal limits.