QSEHRA – Your Small Business Solution

A Qualified Small Employer HRA (QSEHRA) is a special type of HRA that allows small employers (fewer than 50 employees) to offer employees a way to fund eligible medical expenses. 

Members may use the funds in this account to pay for medical expenses as well as individual health insurance premiums that meet the Minimum Essential Coverage requirements. 

This plan is for small businesses that do not offer a group health plan to any employees, and employees will need to provide proof of Minimum Essential Coverage before being reimbursed for any qualified expenses.

How Does It Work?

Employers contribute a specified amount to the employee’s account each year. The money may be deposited in increments or in one lump sum.

Start Spending

When members are ready to use the money from the HRA for any eligible expense, they can pay upfront for an eligible expense and file a claim. Filing a claim electronically for reimbursement is easy through the Surency Member Account or the Surency Mobile App. Reimbursement will only occur if funds are available. 

Eligible expenses may differ from plan to plan depending on what the employer has chosen. We can work with employers to help educate employees on what is eligible under their specific plan.

Managing HRA funds is easier than ever with our user-friendly Member Account and Mobile App. Check your account balance, submit a claim by snapping a picture of your receipt, manage notifications, and more.

Mobile App


We are confident that Surency is the solution for your business. Fill out this quick form to get started. A Surency Team member will reach out to you shortly.

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How We Help

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Choose your Surency account type below to log in and access your account. Reimbursement accounts include FSA, DC FSA, LP FSA, HSA, HRA, Commuter, LSA, QSEHRA, Adoption Assistance, Travel Benefits, Direct Billing and Premium Only Plans.