Reimburse up to $6,350 single / $12,800 family in premiums + medical, tax-free.
Qualified Small Employer HRA (must have <50 FTE, no group plan) — 2025 caps: $6,350 single / $12,800 family. Employer reimburses individual premiums + qualified medical, all tax-free. Simpler than ICHRA. Reduces payroll tax burden and lets employees choose their own plan.
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Max HSA, pay medical out-of-pocket, invest the balance, reimburse decades later.
Reimburse employees for individual health premiums — tax-free, no group plan needed.
$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).