Cafeteria plan without FSA

Technical topics regarding tax preparation.
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I have a very small employer who wants to provide several full-time employees with $8,000 a year of pre-tax dollars to use to pay for their health insurance. The thought is that the employees will be paid $8,000 more with a plan available to them to have the option of contributing the $8,000 to an account to pay for health insurance premiums otherwise it will be taxable. Let's assume the plan meets all Section 125 rules and is non-discriminatory.

My understanding is that an FSA allows employees to contribute only up to $2,650. Is there any other way?

Another route we could take is to set up a Qualified Small Employer Health Reimbursement Arrangement (QSEHRA), allowing $4,950 for individuals and $10,000 for families. In this case, the employer would contribute directly and exclude from income.

Any other ideas?

Thank you!
 

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