Group Health Insurance, ICHRA & QSEHRA Solutions for Small, Medium & Large Sized Businesses
🩺 Flexible Health Benefit Solutions for Growing Businesses
Group Health Insurance | ICHRA | QSEHRA | Dental, Vision & Supplemental Plans
At AKM Financial Services, we help employers offer smarter, more affordable health benefits. Whether you're a small business with just a few employees or a fast-growing team approaching 50+ full-time staff, we offer flexible solutions that fit your budget, meet ACA compliance, and attract top talent.
We don’t just stop at health insurance—we also offer standalone or bundleddental, vision, and supplemental insurance plans to help your team stay fully protected.
| Feature | Group Health Insurance | ICHRA | QSEHRA |
|---|---|---|---|
| Employer Size | 2+ employees | Any size (no limit) | < 50 employees only |
| Employer Cost Control | Variable | High (you set allowance) | High (IRS-set limit) |
| Employee Plan Choice | Limited to employer plan | Any qualifying individual plan | Any qualifying individual plan |
| Tax Benefits | Yes | Yes | Yes |
| ACA Compliance | Yes | Yes | Yes |
| Works With Remote Teams | Sometimes | Yes | Yes |
| Dental/Vision/Supplemental | Included or optional add-on | Reimbursable by design | Reimbursable by design |
💼 Group Health Insurance
Traditional group health insurance offers employees coverage through an employer-sponsored plan—typically including medical, dental, vision, and optional supplemental benefits.
Best For:
Businesses with 5 or more full-time employees
Employers seeking comprehensive benefits for recruitment/retention
Teams that prefer one plan managed by the company
Core Offerings:
Medical (HMO, PPO, HDHP)
Dental & Vision (optional or bundled)
Supplemental Plans (accident, critical illness, hospital indemnity, life insurance)
Predictable monthly premiums
Employer cost-sharing flexibility
🔁 ICHRA (Individual Coverage HRA)
An ICHRA allows employers to reimburse employees—tax-free—for health insurance they purchase individually. This includes major medical plans as well as dental, vision, and other qualified supplemental coverage.
Best For:
Remote or multi-state teams
Businesses wanting cost control without managing a group plan
Employers with diverse employee needs
Benefits:
No minimum group size
Employees choose their own individual health, dental, vision plans
Reimbursements are tax-free
Fully ACA-compliant
Optional: Structure reimbursements for dental, vision, and supplemental plans
👨👩👧 QSEHRA (Qualified Small Employer HRA)
For companies with fewer than 50 full-time employees, QSEHRA provides a simple, tax-free way to reimburse employees for individual insurance premiums and qualified medical expenses—including dental, vision, and supplemental plans.
Best For:
Small employers not offering group coverage
Budget-conscious teams looking for flexibility
Companies wanting to avoid group plan complexity
Benefits:
No group plan required
Monthly reimbursement caps (IRS-set limits)
Covers premiums and eligible medical expenses
Employees select the coverage they want—including dental & vision
➕ Dental, Vision & Supplemental Plans
Whether bundled with group health or offered standalone, we provide:
Dental Insurance: Preventive, basic, and major services
Vision Insurance: Exams, lenses, frames, and contacts
Supplemental Insurance: Accident, critical illness, cancer, disability, hospital indemnity
Life Insurance: Group or voluntary life options
These plans are voluntary, affordable, and can be employer-paid or employee-paid.