What is qualifying health insurance coverage?

Health insurance coverage is required to participate in an HRA. Qualifying health insurance coverage varies by HRA type.

HRA Types & Qualifying Health Insurance Coverage

• Individual Coverage HRA (ICHRA): Requires enrollment in individual coverage. Typically purchased on healthcare.gov or a state insurance website, without tax credits.
• Qualified Small Employer HRA (QSEHRA): Requires enrollment in minimum essential coverage (ME (MEC). Includes marketplace (individual coverage), job-based,  Medicare, Medicaid, and CHIP health insurance plans.
• Group Health Plan HRA: Requires enrollment in any group health insurance plan. This does not have to be through your own employer.

You can view your HRA type on your member dashboard.