{"id":11079,"date":"2020-09-29T20:58:00","date_gmt":"2020-09-29T20:58:00","guid":{"rendered":"https:\/\/hwsmarketindev.wpengine.com\/2020\/09\/29\/blog-health-insurance-option-household-employee-nanny\/"},"modified":"2026-05-30T03:50:56","modified_gmt":"2026-05-30T03:50:56","slug":"blog-health-insurance-option-household-employee-nanny","status":"publish","type":"post","link":"https:\/\/www.homeworksolutions.com\/es\/2020\/09\/29\/blog-health-insurance-option-household-employee-nanny\/","title":{"rendered":"Getting Health Insurance Coverage – My Head is Spinning, Where Do I Start?"},"content":{"rendered":"

\"NannyIf you have recently started a position with a new employer, you\u2019re probably learning about the different benefits that you\u2019ve been hired with. Many household employers who do not offer group health coverage for their employees help pay for medical expenses through a Arrangement de Reintegro de Gastos M\u00e9dicos para Peque\u00f1os Empleadores Calificados (QSEHRA)<\/a>. When you negotiate this benefit with your new employer,  it will help pay your health care costs for qualifying health insurance coverage. If you have never worked with a QSEHRA before, we\u2019ll break down the important must-knows here.<\/p>\n

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A negotiated, tax advantaged health insurance benefit stretches dollars <\/a>and is a win-win for the household employer and nanny or other household employee.<\/h3>\n<\/blockquote>\n

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How does it work?<\/h3>\n

First, your employer will let you know what your QSEHRA dollar amount is per month or per year that they will reimburse.  Or you can call our office and have a client care representative walk you through how to transform that $20 an hour offer to be somewhat less per hour but include this tax free benefit. See how the math works Aqu\u00ed<\/a>.<\/p>\n

Once you and your employer have negotiated the QSEHRA benefit amount you can put it towards health care expenses with any qualifying health insurance that meets the Affordable Care Act requirement for coverage. Remember this is a reimbursement plan, you pay for your qualified expense first, submit a simple claim to your employer or their designated administrator<\/a>, and you are reimbursed.<\/p>\n

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Tip: If you are not changing jobs but are due for a wage increase, considers swapping the increase for the QSEHRA benefit. You save on taxes and your employer does too!<\/p>\n<\/blockquote>\n

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What health care coverage qualifies with a QSEHRA?<\/h3>\n

There are several options for health care coverage for the household employee with QSEHRA. Some of these options include:<\/p>\n