Reimburse employees for individual health premiums — tax-free, no group plan needed.
Individual Coverage HRAs let employers reimburse employees TAX-FREE for individual ACA marketplace premiums + medical expenses. No group plan hassle, no minimum participation. Perfect for 2–50 employee shops. Employer sets the monthly cap (e.g. $500/mo/employee), employees pick their own plan. Full deduction to employer, full exclusion from employee wages.
Click Generate advisory deep dive for mechanics, IRC citations, a step-by-step execution plan, a worked numeric example on your profile, costs, risks, and this-week actions.
Max HSA, pay medical out-of-pocket, invest the balance, reimburse decades later.
Reimburse up to $6,350 single / $12,800 family in premiums + medical, tax-free.
$75/mo DPC subscription + high-deductible catastrophic plan = better care at half the cost.
Hire your spouse, deduct 100% of family medical expenses through a §105 HRA.
Travel and $50/night lodging for medical care count toward the medical deduction.
Time elective procedures to clear the 7.5%-AGI floor in one big year.
Manage MAGI to avoid Medicare's income-based premium surcharges (up to $6K/yr extra).
$200–$450/mo cost-sharing plans (Medi-Share, CHM, Samaritan, Sedera).