Glossary
Term definitions, ecosystem role descriptions, and careful-use reminders.
HRB
Health Reimbursement Bridge, the designation and operating lens used by this Toolkit.
HRA
Health Reimbursement Arrangement.
ICHRA
Individual Coverage Health Reimbursement Arrangement.
QSEHRA
Qualified Small Employer Health Reimbursement Arrangement.
ESP Broker
Employer-side broker or consultant lane, as externally scoped.
IFP Broker
Individual and family plan broker lane.
EIV
Enrollment and illustration vendor.
PV / TPA
Payment vendor or third-party administrator.
CV
Compliance vendor.
APTC
Advance Premium Tax Credit.
CSR
Cost-Sharing Reduction.
ALE
Applicable Large Employer.
FTE
Full-time employee or full-time equivalent, depending on context.
SOW
Statement of Work.
Evidence File
Retained documents, logs, source references, and decisions supporting a resource or action.
Review Trigger
A signal that general material is not enough and qualified review should occur before reliance.
Ecosystem Role Descriptions
Employer / Plan Sponsor
Owns plan sponsorship, business decisions, eligibility direction, and final employer approvals.
Employer HR
Coordinates eligibility, employee communications, internal routing, and support pathways.
Finance / Payroll
Coordinates budgets, funding approvals, payroll implications, and payment dependencies.
Legal / Compliance Counsel
Reviews legal, tax, privacy, ERISA, COBRA, Medicare, claims, and state-specific questions.
Employer-Side Broker / Consultant
Supports employer strategy, vendor coordination, implementation sequencing, and ongoing advisory support.
Individual Market Broker
Supports individual market plan shopping and enrollment where licensed and assigned.
Enrollment & Illustration Vendor
Supports enrollment workflows, illustrations, eligibility data intake, and status reporting as scoped.
Payment / Reimbursement Vendor
Supports premium payment, reimbursement, substantiation, and payment issue workflows as scoped.
ACA / ERISA Compliance Vendor
Supports compliance calendars, reporting support, notices, evidence, and assigned review steps.
Employee
Receives notices, uses support pathways, completes enrollment actions, and provides required documentation.