{"id":7906,"date":"2025-08-04T14:59:00","date_gmt":"2025-08-04T18:59:00","guid":{"rendered":"https:\/\/georgiaaccess.gov\/?page_id=7906"},"modified":"2025-09-30T11:51:39","modified_gmt":"2025-09-30T15:51:39","slug":"otras-opciones-para-las-pequenas-empresas","status":"publish","type":"page","link":"https:\/\/georgiaaccess.gov\/es\/otras-opciones-para-las-pequenas-empresas\/","title":{"rendered":"Otras opciones para las peque\u00f1as empresas"},"content":{"rendered":"\n<p>Hay otras dos opciones para que las peque\u00f1as empresas brinden asistencia financiera a sus empleados para comprar cobertura de seguro de salud en Georgia Access.<\/p>\n\n\n\n<h2 class=\"wp-block-heading h2-heading\"><strong>Acuerdos de Reembolso de Salud de Cobertura Individual (ICHRA)<\/strong><\/h2>\n\n\n\n<p>Un Acuerdo de Reembolso de Salud de Cobertura Individual (ICHRA, por sus siglas en ingl\u00e9s) es una cuenta de ahorros para la salud en la que usted, como empleador, aporta fondos a los empleados para comprar un seguro de salud en Georgia Access en lugar de proporcionar un seguro tradicional patrocinado por el empleador (ESI). Los fondos restantes pueden ser utilizados por los empleados para pagar gastos m\u00e9dicos calificados. Las contribuciones de ICHRA est\u00e1n exentas de impuestos y no hay un l\u00edmite establecido. Los grandes empleadores que ofrecen ICHRA deben aportar fondos suficientes para permitir que sus empleadores compren cobertura en el Mercado que cumpla con los umbrales de asequibilidad para la cobertura de salud establecidos por el Servicio de Impuestos Internos (IRS).<\/p>\n\n\n\n<h2 class=\"wp-block-heading h2-heading\"><strong>Acuerdos de Reembolso de Salud para Peque\u00f1os Empleadores Calificados (QSEHRA, por sus siglas en ingl\u00e9s)<\/strong><\/h2>\n\n\n\n<p>Un Acuerdo de Reembolso de Salud para Peque\u00f1os Empleadores Calificados (QSEHRA) es una cuenta de ahorros para gastos m\u00e9dicos disponible para peque\u00f1as empresas con 50 empleados a tiempo completo o menos, que se utiliza para adquirir un seguro m\u00e9dico en Georgia Access en lugar de ofrecer el ESI tradicional. Los fondos restantes se pueden usar para pagar gastos m\u00e9dicos calificados. Si usted aporta fondos a un QSEHRA, sus empleados podr\u00edan combinarlos con Cr\u00e9ditos Fiscales para Primas (PTC) para que la compra de cobertura m\u00e9dica en Georgia Access sea m\u00e1s asequible. Los QSEHRA tienen l\u00edmites m\u00e1ximos de contribuci\u00f3n del empleador establecidos por el Servicio de Impuestos Internos (IRS).<\/p>\n\n\n\n<p>Comun\u00edcate con un agente certificado o corredor web para obtener m\u00e1s informaci\u00f3n sobre las ICHRA y las QSEHRA.<\/p>\n\n\n\n<div style=\"height:48px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Hay otras dos opciones para que las peque\u00f1as empresas brinden asistencia financiera a sus empleados para comprar cobertura de seguro de salud en Georgia Access. Acuerdos de Reembolso de Salud de Cobertura Individual (ICHRA) Un Acuerdo de Reembolso de Salud de Cobertura Individual (ICHRA, por sus siglas en ingl\u00e9s) es una cuenta de ahorros para [&hellip;]<\/p>\n","protected":false},"author":23,"featured_media":6619,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"sidebar-menu-template.php","meta":{"_acf_changed":false,"inline_featured_image":false,"_uag_custom_page_level_css":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-7906","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Otras opciones de salud para peque\u00f1as empresas | Acceso a Georgia<\/title>\n<meta name=\"description\" content=\"Conozca c\u00f3mo las peque\u00f1as empresas pueden ayudar a los empleados a pagar el seguro m\u00e9dico y los costos m\u00e9dicos con planes especiales de reembolso en Georgia Access.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/georgiaaccess.gov\/es\/otras-opciones-para-las-pequenas-empresas\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Seguro de salud asequible para peque\u00f1as empresas | Acceso a Georgia\" \/>\n<meta property=\"og:description\" content=\"Encuentre opciones de seguro de salud asequibles para peque\u00f1as empresas y personas que trabajan por cuenta propia en Georgia. 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Acuerdos de Reembolso de Salud de Cobertura Individual (ICHRA) Un Acuerdo de Reembolso de Salud de Cobertura Individual (ICHRA, por sus siglas en ingl\u00e9s) es una cuenta de ahorros para&hellip;","_links":{"self":[{"href":"https:\/\/georgiaaccess.gov\/es\/wp-json\/wp\/v2\/pages\/7906","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/georgiaaccess.gov\/es\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/georgiaaccess.gov\/es\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/georgiaaccess.gov\/es\/wp-json\/wp\/v2\/users\/23"}],"replies":[{"embeddable":true,"href":"https:\/\/georgiaaccess.gov\/es\/wp-json\/wp\/v2\/comments?post=7906"}],"version-history":[{"count":5,"href":"https:\/\/georgiaaccess.gov\/es\/wp-json\/wp\/v2\/pages\/7906\/revisions"}],"predecessor-version":[{"id":8742,"href":"https:\/\/georgiaaccess.gov\/es\/wp-json\/wp\/v2\/pages\/7906\/revisions\/8742"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/georgiaaccess.gov\/es\/wp-json\/wp\/v2\/media\/6619"}],"wp:attachment":[{"href":"https:\/\/georgiaaccess.gov\/es\/wp-json\/wp\/v2\/media?parent=7906"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}