Are the premiums tax-free?

For employers with less than 50 full time employees, you have two options to fund individual health insurance: post-tax where employees can receive tax credits or pre-tax (tax free) via an HRA (technically QSEHRA). In most cases, our clients find that the post-tax with tax credits is more advantageous than pre-tax HRA or their pre-tax group plan. For employers with over 50 employees, QSEHRA is not available, so the premiums are post-tax but eligible to be reduced by tax credits.

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