I love working for a small Business. In a smaller office, my day-to-day impact is much bigger, and when I wake up in the mornings, I know I’m going to make a difference.

But Health insurance is also important to me—and, unfortunately, quite a few small businesses don’t offer health benefits. For many years, that led to a hard choice: Join a larger company that offers benefits, or go without benefits to work for a small business.

That’s not the case anymore. I now work for a small business that offers me a Qualified Small Employer Health Reimbursement Arrangement (QSEHRA), or Small Business HRA.