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If your employees need step-by-step help with purchasing insurance, we can connect them to our partner Kind Health.

 

QSEHRA

Which types of insurance premiums are eligible for reimbursement?

  • Health insurance policies purchased via ACA (Obamacare) exchanges
  • Dental insurance policies
  • Vision insurance policies
  • ACA-compatible policies purchased directly from insurance carriers
  • Medicare and Medicaid
  • Short-term medical insurance
  • Long-term care insurance
  • Retiree benefit insurance
  • COBRA

Can an employee be reimbursed for an insurance premium when he or she is not the primary policy holder?

Yes, if:

  • the primary policy holder is their spouse or dependent.

Which types of policies and insurance alternatives aren’t eligible for reimbursement?

  • Direct care
  • Health care sharing ministries, e.g., Medi-Share
    • Note: Dues are not reimbursable, but expenses are reimbursable on a taxable basis.
  • Accidental, critical illness, or indemnity insurance
  • Parents’ individual or company-provided insurance
    • Note: These premiums are not reimbursable, but employees covered by a parent's insurance can still be reimbursed for eligible medical expenses on a pretax basis.
  • Indian health services 

 

  

 

ICHRA

Which type of insurance premiums are required for participation?

To participate in a PeopleKeep ICHRA, employees need individual health insurance coverage. This could be:

  • An individual policy purchased via ACA (Obamacare) exchanges
  • An ACA-compatible individual policy purchased directly from an insurance company
  • Medicare Parts A and B
  • Medicare Part C

Which types of insurance premiums are eligible for reimbursement?

In addition to reimbursing employees for their individual health insurance coverage, a PeopleKeep ICHRA can reimburse for other premiums, including:

  • Dental insurance policies
  • Vision insurance policies
  • Long-term care insurance

Can an employee be reimbursed for an insurance premium when he or she is not the primary policy holder?

Yes, if:

  • the primary policy holder is the employee’s spouse or dependent.

Which types of policies and insurance alternatives aren’t eligible for reimbursement?

  • Short-term medical insurance

  • Medicaid

  • Direct care

  • Health care sharing ministries, e.g., Medi-Share

  • Accidental, critical illness, or indemnity insurance

  • Parents’ individual or company-provided insurance

  • Indian health services 

CONTACT SALES
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"The app works well and reimbursements are fast. I prefer this to an insurance plan selected by the employer."

Kevin S.

"Fast claims review and processing! When I have a question, PeopleKeep has been super-friendly and helpful – which is very different than most insurance-claims related call centers where they don't help problem-solve."

Jeff D.

"Everything from customer support to processing reimbursements is pain-free, quick, and easy."

Ellen L.

"Easy to use. Employer and employee-friendly. Provides a complete list of authorized expenditures. Best of all worlds for small to medium businesses."

Michael L.

"I don’t have to keep any paperwork. I don’t have to file any receipts. I just get an email saying something is due, and I reimburse it. That’s it. It’s so easy! It’s been fantastic."

Sarah Burke

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