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New HRA Offer from an Employer

You may qualify for a special enrollment period (SEP) if you have a new offer of individual coverage health reimbursement arrangement (ICHRA) or qualified small employer health reimbursement arrangement (QSEHRA) from an employer. (Learn more about these types of HRAs.)

Apply for a SEP.

Verification Documents

Be prepared to send a copy of the written notice from your employer explaining the terms of the HRA offered. The document must include:

  • An offer for a qualifying HRA that took effect in the past 60 days or that will take effect in the next 60 days
  • Your name, the HRA type and the start date of the benefit.

How and when do I send documents?

During the SEP application process you'll be instructed on how to send verifying documents, if they are needed. If needed, MNsure must receive verification before the 60-day SEP window expires.

Key Dates

  • 60-day SEP begins: The date you begin working as a new employee or the date the HRA benefits start if you are an existing employee.
  • When you can enroll: Any time during the 60-day window of your SEP. An individual or dependent can apply during the 60 days before the HRA benefits start.
  • When your coverage starts:
    • If you select your plan before the date the HRA can take effect, then your coverage starts the first day of the month after the date the HRA can take effect, or if the HRA takes effect on the first day of a month, then your coverage starts the first day the HRA can take effect
    • If you select your plan on or after the date the HRA can take effect, your coverage start date is the first day of the next month.
  • Coverage cannot start before your HRA benefit begins.

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