HRA Resources for

Agents and Brokers

To help you better understand Health Reimbursement Arrangements (HRAs) and assist group and individual clients who may have an HRA, the Centers for Medicare & Medicaid Services (CMS) has created several tools and resources for your convenience.

Keep this email handy so you can quickly find the resources and tools you need to answer your HRA questions.

Individual Coverage HRAs:

• HRA Frequently Asked Questions (FAQs): These FAQs provide additional information on how you can assist group and individual clients who may have an HRA.
• Individual Coverage HRA Defined: This webpage provides a quick and simple definition of what the individual coverage HRA is.
• How an Individual Coverage HRA Offer Works: Use this document to explain to your clients how an individual coverage HRA offer works, how it may impact their eligibility for premium tax credits, and more.
• Individual Coverage HRA: This page breaks down the complexities of individual coverage HRAs in more detail, includes FAQs, and provides links to additional helpful resources.
• Individual Coverage HRA Worksheet: This worksheet provides a step-by-step guide you can use to assist your clients in determining if an individual coverage HRA would be considered affordable.
• Overview of New HRAs Part One Webinar Slides and New HRAs Part Two Webinar Slides: These slides provide information on the different types of HRAs, their potential impact on premium tax credit eligibility, employer notices, special enrollment period availability for consumers who are newly offered an HRA, and HRA consumer scenarios.
• Individual Coverage and Excepted Benefit HRA FAQs: This resource provides additional FAQs and resources related to both individual coverage and excepted benefit HRAs.

Qualified Small Employer Health Reimbursement Agreement (QSEHRA):

• Qualified Small Employer Health Reimbursement Agreement (QSEHRA): Use this page to find FAQs about QSEHRAs.
• QSEHRA Worksheet: This worksheet provides a step-by-step guide you can use to assist your clients in determining if a QSEHRA would be considered affordable.

Additional Resources:

• Job-based Coverage: Learn how to assist clients who have been offered job-based coverage.
• Cafeteria Plan: Find the definition of a cafeteria plan, as well as FAQs from the Internal Revenue Service (IRS).
• Employer Initiatives: This page contains a comprehensive list of guidance, resources, and tools related to HRAs, including the plan year 2021 Employer Lowest Cost Silver Plan Premium Look-up Table, employer premium resources, and more.

Have questions? Contact the Agent/Broker Email Help Desk at FFMProducer-AssisterHelpDesk@cms.hhs.gov.

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