You can upgrade or downgrade your small business plan at any time through your member portal. There are three different plans for small businesses:
Smart HRA: QSEHRA + Smart Benefits ($30 per person per month + $20 per month platform fee)
Simple QSEHRA: HRA only, no Smart benefits ($15 per person per month + $20 per month platform fee)
Smart Membership Only: Smart benefits only, no HRA ($15 per person per month + $20 per month platform fee)
To change your plan, just go to Settings>Plan & Billing and click "Change Plan."