Your QSEHRA proof of coverage is marked noncompliant when your submitted document does not clearly show valid Minimum Essential Coverage (MEC), required personal details, or current coverage dates within the required timeframe.
Why your proof of coverage is marked noncompliant
1. Your plan does not meet Minimum Essential Coverage (MEC)
Your submission will be marked noncompliant if your plan is not considered MEC.
This includes:
Short-term health insurance plans
Indemnity or fixed-benefit plans
Critical illness-only coverage
Discount-only or non-insurance health plans
Vision or dental-only plans
These plans do not qualify for QSEHRA reimbursement.
2. Your document does not clearly show required information
Your proof of coverage may be rejected if it is missing:
Your name (policyholder or covered dependent)
Plan name or insurance carrier
Current coverage status
Premium amount (if requesting reimbursement)
If any of these are missing, the document cannot be verified.
3. Your document is outdated
Your submission may be marked noncompliant if:
The document is older than 30 days
The coverage dates are not current
The document does not show active enrollment for the current plan year
Only current and active coverage documents are accepted.
4. You uploaded the wrong type of document
Your proof will be rejected if you upload:
Dental-only insurance documentation
Vision-only insurance documentation
Wellness discount memberships
Non-insurance benefit programs
QSEHRA requires proof of health insurance coverage, not supplemental benefits.
5. Your plan type cannot be verified
Even if your insurance is valid, it may be rejected if:
The carrier name is unclear
The document does not identify plan type
The compliance team cannot confirm MEC status
What you need to submit instead
Acceptable proof of coverage includes:
You must provide a document that clearly shows:
Your name
Insurance carrier and plan name
Active coverage status
Current date (within 30 days)
Premium amount (if reimbursing premiums)
Common accepted documents:
Monthly insurance bill or statement
Insurance carrier online portal screenshot
Enrollment confirmation letter
Employer or spouse benefits summary (if applicable)
COBRA statement (if applicable)
Medicare or Medicaid eligibility letter (if applicable)
How to fix a noncompliant submission
Step 1: Review the rejection reason
Log in to your HRA Hub account
Open your Proof of Coverage submission
Read the compliance note attached to your upload
Step 2: Gather correct documentation
Locate a current insurance statement or portal screenshot
Confirm it includes all required details:
Name
Plan name
Active coverage date
Carrier information
Step 3: Resubmit your proof of coverage
Go to the Health Insurance section in HRA Hub
Select “Edit” or “Resubmit”
Upload the corrected documentation
Submit for review again
Step 4: Wait for compliance review
The compliance team will re-evaluate your submission
You will receive an updated approval or rejection status
Approved coverage will unlock reimbursement eligibility