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Author: Akukulu

Youth Mental Health
Akukulu

Inside America’s Youth Mental Health Crisis: Causes, Impact, and Solutions

In recent years, the United States has been grappling with a pressing issue: a youth mental health crisis. The emotional well-being of young people has become a matter of growing concern, with studies indicating an alarming rise in mental health issues among adolescents and young adults. This blog post will delve into the causes behind this crisis, its profound impact on individuals and society, and explore potential solutions to address this pressing issue. Understanding the Crisis The first step in addressing the youth mental health crisis is to understand its roots. Statistics and research findings highlight the increasing rates of mental health disorders among American youth. Contributing factors such as academic pressure, social media, family dynamics, societal expectations, and economic stressors play a significant role in exacerbating the crisis. Additionally, the stigma associated with mental health and barriers that prevent young people from seeking help, such as lack of awareness, limited access to mental health services, and cultural norms, further compound the problem. Impact on Youth and Society The consequences of the youth mental health crisis extend beyond individuals to affect society as a whole. Young people facing mental health issues often experience profound psychological consequences, including depression, anxiety, self-harm, and even suicidal ideation. Moreover, mental health problems can significantly impact academic performance, relationships, and overall well-being. If left unaddressed, the long-term consequences of this crisis could manifest in reduced workforce productivity and increased healthcare costs. Addressing the Crisis To tackle the youth mental health crisis, a multifaceted approach is necessary. First and foremost, education and awareness play a crucial role. It is essential to prioritize mental health education and foster an environment where discussions around mental health are destigmatized in schools, families, and communities. Improving access to affordable and quality mental health services, including counseling, therapy, and psychiatric care, is another vital aspect. Additionally, implementing early intervention and prevention strategies through school-based programs, community initiatives, and supportive environments can help identify issues early on and promote mental well-being. Technological innovations, such as telemedicine and mental health apps, also hold promise in increasing access to mental health resources and support. Advocacy and Policy Changes Addressing the youth mental health crisis requires advocacy and policy changes. Individuals, communities, and policymakers must prioritize youth mental health and take concrete steps to address the crisis. This includes comprehensive mental health policies at the federal, state, and local levels, focusing on increased funding, improved training for educators and healthcare providers, and enhanced support systems. Collaborative efforts between government agencies, educational institutions, healthcare providers, and mental health organizations are crucial to effectively tackle the crisis and ensure the well-being of young people. Conclusion America’s youth mental health crisis demands urgent attention and action. By understanding the causes, recognizing the impact, and implementing comprehensive solutions, we can work towards a society where young people receive the support they need to thrive mentally, emotionally, and academically. Together, we can create a future where the mental well-being of our youth is prioritized and nurtured, fostering a healthier and more resilient generation. Read more on Unveiling the Impact of Social Media on Youth Mental Health

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Youth Mental Health
Akukulu

Unveiling the Impact of Social Media on Youth Mental Health

In today’s digital age, social media has become an integral part of the lives of American youth. While social media platforms offer numerous benefits, such as staying connected and accessing information, there is a growing concern about its impact on mental health. This blog aims to explore the influence of social media on youth mental health and shed light on the challenges it poses. The Connection between Social Media and Mental Health Social media platforms have transformed the way young Americans interact, communicate, and perceive themselves and others. However, excessive use and constant exposure to social media can have adverse effects on youth mental health. Research indicates that prolonged social media usage can contribute to feelings of anxiety, depression, loneliness, and low self-esteem among adolescents. The Highlight Reel Effect One of the significant factors impacting youth mental health on social media is the “highlight reel” effect. Many young people carefully curate their online presence, showcasing only the best moments of their lives. Constant exposure to these seemingly perfect lives can lead to feelings of inadequacy and FOMO (fear of missing out). The comparison trap can negatively impact self-esteem, causing young individuals to question their own worth and happiness. Cyberbullying and Online Harassment Another concerning aspect of social media’s impact on youth mental health is cyberbullying and online harassment. The anonymity and ease of communication provided by social platforms have unfortunately given rise to these harmful behaviors. Constant exposure to online negativity and harassment can result in significant psychological distress, leading to anxiety, depression, and even suicidal thoughts among young individuals. Body Image and Unrealistic Standards Social media platforms often perpetuate unrealistic beauty standards and body ideals. Young people, especially girls, are bombarded with filtered and photoshopped images, which can negatively impact their body image and self-perception. Constant comparison to these unrealistic standards can contribute to body dissatisfaction, eating disorders, and low self-esteem among youth. Reduced Face-to-Face Interaction The excessive use of social media can also lead to reduced face-to-face interaction among young individuals. Spending significant amounts of time on social platforms can replace real-life social interactions, which are crucial for emotional well-being. Lack of genuine social connections can exacerbate feelings of loneliness, isolation, and can hinder the development of healthy social skills. While social media offers many benefits, it is essential to be aware of its potential impact on youth mental health. Parents, educators, and policymakers must work together to promote digital literacy, teach healthy social media habits, and create safe online environments. By fostering open conversations, providing mental health support, and encouraging a balanced approach to social media usage, we can empower young Americans to navigate the digital world while safeguarding their mental well-being.

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Autism
Akukulu

Understanding Autism Spectrum Disorder: A Comprehensive Guide to Symptoms, Causes, and Support

Autism Spectrum Disorder (ASD) is a condition that affects how people think, communicate, and interact with others. This comprehensive guide aims to provide an easy-to-understand overview of ASD, including its symptoms, causes, and available support. By increasing awareness and understanding, we can create a more inclusive society for individuals with autism. What is Autism Spectrum Disorder? Autism Spectrum Disorder, or ASD, is a neurodevelopmental condition that affects people differently. It is characterized by challenges in social interaction, communication difficulties, and repetitive behaviors. Individuals with ASD may have trouble understanding social cues, making eye contact, and engaging in conversations. They may also have specific interests and sensitivities to sensory stimuli. However, it’s important to remember that each person with autism is unique, and their abilities and challenges can vary greatly. Symptoms and Behaviors of Autism: The symptoms and behaviors associated with autism can manifest in various ways. Some common signs of autism include delayed speech and language development, difficulty in initiating or maintaining conversations, repetitive movements or behaviors, insistence on routines, and heightened sensitivity to sensory stimuli such as sounds, textures, or lights. Some individuals with autism may exhibit intense focus or excel in specific areas, such as math, music, or art. Causes and Risk Factors :The exact causes of autism are still being researched, but it is believed to be a combination of genetic and environmental factors. Some studies suggest that certain genes may increase the risk of developing autism. Additionally, prenatal factors such as maternal infections, exposure to certain medications, or complications during pregnancy and childbirth might play a role. It’s important to note that vaccines do not cause autism, as numerous scientific studies have debunked this myth. Support and Interventions : Early intervention and support can greatly improve the lives of individuals with autism. Applied Behavior Analysis (ABA) therapy, speech therapy, and occupational therapy are among the interventions that can help develop communication, social skills, and independence. Individualized Education Programs (IEPs) are commonly used to provide tailored education plans for students with autism in schools. Supportive environments that promote inclusion and understanding also play a crucial role. Family support networks, support groups, and community resources can provide valuable assistance to individuals with autism and their families. Autism Spectrum Disorder affects millions of individuals worldwide, and by increasing our understanding, we can create a more inclusive society. Recognizing the unique strengths and challenges of individuals with autism is essential for promoting acceptance and providing appropriate support. By ensuring early intervention, implementing effective therapies, and fostering inclusive communities, we can help individuals with autism lead fulfilling and meaningful lives. Explore a Detailed Report for In-Depth Information

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Education-Blog
Akukulu

Unleashing the Power of Internships: How Interns Benefit and Thrive

Internships serve as the gateway to a successful career, offering invaluable experiences and opportunities for growth. In this article, we will delve into the profound benefits that interns gain from their participation in internships. From acquiring practical skills to building a professional network, interns can embark on a transformative journey that propels them toward future success. Conclusion: Internships play a vital role in shaping the careers of aspiring professionals. From powering professional growth to expanding networks and developing crucial skills, internships offer a transformative experience. Through internships, interns gain firsthand knowledge, build confidence, and position themselves for future success. Embrace the power of internships and unlock the door to a thriving career.

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Business Registration/የንግድ መረጃ
Akukulu

SHOP for Small Business ሻፕ ለአነስተኛ የንግድ ተቋማት

ሻፕ ለአነስተኛ የንግድ ተቋማት የጤና እንክብካቤ ክፍያ እንዲያደርጉ የሚያግዝ ፕሮግራም ነው።ትርፋማ ለሆኑ እና ላልሆኑ ድርጅቶች የሚሰጥ ነው።ሻፕ ለቀጣሪዎች አመቺ እና በአቅማቸው መክፈል የሚችሉት ነው።መስፈርቱን ያሟሉ ድርጅቶች ለታክስ ድጎማ ያገኙበታል። The Small Business Health Options Program (SHOP) is for businesses and non-profit organizations that want to provide health and/or dental insurance to their employees. Offering coverage through the SHOP is affordable, flexible, and convenient. However, it is not the only coverage option for your business. Health Reimbursement Arrangements (HRAs) are a type of account-based health plan that employers can use to reimburse employees for their medical care expenses, including individual health insurance coverage, like a plan from the Individual Marketplace. Employers can decide what they contribute with no annual maximum. If you’re deciding between group coverage or an HRA, you can use our decision guide to find out which option fits the needs of your small business and employees. This guide will give you an overview of key things to know about group coverage and HRAs, including eligibility requirements, coverage options, and costs. Tax season is underway, and if your small business was enrolled in Small Business Health Options Program (SHOP) coverage in 2022 or previous years, you may need some tax-related information about your health insurance. For each year employees have SHOP coverage, they’ll receive a Tax Form 1095-B that reports the type of coverage they had, dependents covered by their insurance policy, and the period of coverage. This form is generated by insurance companies that offer SHOP coverage. If you need the form or have questions about it: Employers should keep a record of all tax documents and SHOP payment information for each year of their SHOP coverage. To read additional guidance on Tax Form 1095-B, visit IRS.gov. https://www.healthcare.gov/small-businesses/choose-and-enroll/shop-marketplace-overview/?utm_campaign=hcgov_shop&utm_content=enroll2022&utm_medium=email&utm_source=govdelivery Find More Information

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Housing
Akukulu

Homeowners’ and Renters’ Tax Credit Applications Now Available Online ለቤት ባለቤቶች እና ተከራዮች የታክስ ክሬዲት ተመላሽ ብርNew 

በምትኖሩበት ስቴት ያለውን ተመሳሳይ ፕሮግራም ፈልጋችሁ መማልከት ትችላላችሁ። የሚሪላንድ የግብር ሰብሳቢዎች ድርጅት የቤት ባለቤቶች እና ተከራዮች ለ2023 የቤት ታክስ ክሬዲት ማመልከት እንዲጀምሩ አስታወሰ።ለዚሁ መመልከቻ የቀነ ገደቡ ኦክቶበር 1 2023 ነው። ይህ ፕሮግራም እንደገቢያቸው መጠን ነዋሪዎች የሚገባቸውን ተመላሽ ብር እንዲያገኙ ይረዳል። SDAT’s 2023 Homeowners’ and Renters’ Tax Credit Applications Now Available Online BALTIMORE, MD – The Maryland Department of Assessments and Taxation (SDAT) today announced that applications for the 2023 Homeowners’ and Renters’ Tax Credit programs, which saved Marylanders more than $58.3 million in FY22, are now available online. The deadline to file for both tax credits is October 1, 2023. “We continue to enhance our online tax credit application system to make it faster and easier than ever for Marylanders to apply for these important tax credits,“ said Maryland Department of Assessments and Taxation Director Michael Higgs. “We are committed to helping Maryland’s hard-working taxpayers save money on their rent or annual property tax bill, and strongly encourage all eligible residents to apply for the homeowners’ or renters’ tax credits this year.” The Homeowners’ Property Tax Credit Program provides tax relief for eligible homeowners by setting a limit on the amount of property taxes owed based on their income. Applications received and approved by April 15, 2023, will be included on the initial July tax bill. If a resident has already paid their property taxes and applies by October 1, any tax credit that the homeowner may be eligible for will be refunded by their county finance office. In FY22, 37,805 eligible homeowners received an average of $1,464 in tax relief. The Renters’ Property Tax Credit Program similarly provides tax relief for eligible renters who pay high monthly rent relative to their total income. The majority of recipients of this credit are Marylanders aged 60 or older, but the program is also available to those who receive Social Security or Supplemental Security Income (SSI), a federal government disability pension, a federal military disability pension, or are certified as being disabled by a local health officer. Renters under age 60 with at least one dependent who meet certain income guidelines may also be eligible. This credit is issued in the form of a direct check payment of up to $1,000 a year. In FY22, 6,636 eligible renters received an average of $446 in tax relief. All Marylanders who received a Homeowners’ or Renters’ Tax Credit in 2022 were mailed a complimentary 2023 application to their home address. To determine whether you are eligible to receive a tax credit, please visit the department’s online tax credit system. To download an application, please visit https://dat.maryland.gov/Pages/Tax-Credit-Programs.aspx.​ While completing a tax credit application, Marylanders are advised to please read the instructions carefully, provide all required documentation, and to review the application to ensure that all fields have been completed before submitting it to the department. Homeowners may also be eligible to receive a Homestead Tax Credit to limit taxable assessment increases on their principal residence. To determine eligibility, homeowners may complete a one-time application online, which is available to complete all year. Many counties and municipalities also offer additional residential tax credits. If a resident is approved to receive the state homeowners’ credit, they may automatically receive local supplemental homeowners’ credits for which they are eligible. To ensure that eligible tax credit recipients submit their applications by the required deadline, the department strongly encourages all homeowners and renters in Maryland to sign up for our email distribution list to receive timely reminders and general news updates. https://dat.maryland.gov/realproperty/Pages/Homeowners%27-Property-Tax-Credit-Program.aspx https://dat.maryland.gov/realproperty/Pages/Renters%27-Tax-Credits.aspx

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Tax
Akukulu

Time running out to claim $1.5 billion in refunds for tax year 2019 1.5 ቢሊዮን ለሚሆኑ መስፈርቱን ለሚያሟሉ ሰዎች የ2019 ታክስ የሚመለስ ብርNew 

1.5 ሚሊዮን ለሚሆኑ መስፈርቱን ለሚያሟሉ ሰዎች የ2019 ታክስ የሚመለስ ብር እንዳላቸው አሳሰበ።በአማካይ የሚመለሰው ብር $893 ሲሆን መጠኑ ከስቴት ስቴት ሊለያይ ይችላል።ለዚህ ተመላሽ ብር ለማመልከት የቀነ ገደብ ጁላይ 17 ነው።በህጉ መሰረት ግብር ከፋዮች ለዚህ ተመላሽ ለማመልከት ሶስት አመት አላቸው ነገር ግን በዚህ ጊዜ ውስጥ ካላመለከቱ ገንዘብ ለመንግስት ገቢ ይሆናል። Taxpayers face July 17 deadline WASHINGTON ― The Internal Revenue Service announced today that nearly 1.5 million people across the nation have unclaimed refunds for tax year 2019 but face a July 17 deadline to submit their tax return. The IRS estimates almost $1.5 billion in refunds remain unclaimed because people haven’t filed their 2019 tax returns yet. The average median refund is $893 for this year, and the IRS has done a special state-by-state calculation to show how many people are potentially eligible for these refunds. “The 2019 tax returns came due during the pandemic, and many people may have overlooked or forgotten about these refunds,” said IRS Commissioner Danny Werfel. “We want taxpayers to claim these refunds, but time is running out. People face a July 17 deadline to file their returns. We recommend taxpayers start soon to make sure they don’t miss out.” Under the law, taxpayers usually have three years to file and claim their tax refunds. If they don’t file within three years, the money becomes the property of the U.S. Treasury. But for 2019 tax returns, people have more time than usual to file to claim their refunds. Usually, the normal filing deadline to claim old refunds falls around the April tax deadline, which is April 18 this year for 2022 tax returns. But the three-year window for 2019 unfiled returns was postponed to July 17, 2023, due to the COVID-19 pandemic emergency. The IRS issued Notice 2023-21 on Feb. 27, 2023, providing legal guidance on claims made by the postponed deadline. The IRS estimates the midpoint for the potential unclaimed refunds for 2019 to be $893. That means half of the refunds are more than $893 and half are less. “With the pandemic taking place when the 2019 tax returns were originally due, people faced extremely unusual situations. People may have simply forgotten about tax refunds with the deadline that year postponed all the way into July,” Werfel said. “We frequently see students, part-time workers and others with little income overlook filing a tax return and never realize they may be owed a refund. We encourage people to review their records and start gathering records now, so they don’t run the risk of missing the July deadline.” By missing out on filing a tax return, people stand to lose more than just their refund of taxes withheld or paid during 2019. Many low- and moderate-income workers may be eligible for the Earned Income Tax Credit (EITC). For 2019, the credit was worth as much as $6,557. The EITC helps individuals and families whose incomes are below certain thresholds in 2019. Those who are potentially eligible for EITC in 2019 had incomes below: $50,162 ($55,952 if married filing jointly) for those with three or more qualifying children; $46,703 ($52,493 if married filing jointly) for people with two qualifying children; $41,094 ($46,884 if married filing jointly) for those with one qualifying child, and; $15,570 ($21,370 if married filing jointly) for people without qualifying children. The IRS reminds taxpayers seeking a 2019 tax refund that their checks may be held if they have not filed tax returns for 2020 and 2021. In addition, the refund will be applied to any amounts still owed to the IRS or a state tax agency and may be used to offset unpaid child support or past due federal debts, such as student loans. Current and prior year tax forms (such as the tax year 2019 Forms 1040 and 1040-SR) and instructions are available on the IRS.gov Forms and Publications page or by calling toll-free 800-TAX-FORM (800-829-3676). Need to file a 2019 tax return? Several options to get key documents Although it’s been several years since 2019, the IRS reminds taxpayers there are ways they can still gather the information they need to file this tax return. But people should start early to make sure they have enough time to file before the July deadline for 2019 refunds. Here are some options: Request copies of key documents: Taxpayers who are missing Forms W-2, 1098, 1099 or 5498 for the years 2019, 2020 or 2021 can request copies from their employer, bank or other payers. Use Get Transcript Online at IRS.gov. Taxpayers who are unable to get those missing forms from their employer or other payers can order a free wage and income transcript at IRS.gov using the Get Transcript Online tool. For many taxpayers, this is by far the quickest and easiest option. Or request a transcript. Another option is for people to file Form 4506-T with the IRS to request a “wage and income transcript.” A wage and income transcript shows data from information returns received by the IRS, such as Forms W-2, 1099, 1098, Form 5498 and IRA contribution information. Taxpayers can use the information from the transcript to file their tax return. But plan ahead – these written requests can take several weeks; people are strongly urged to try the other options first. Based on tax information currently available, the IRS estimated how many people in each state may be entitled to a tax refund. The actual refund amount will vary based on a household’s tax situation. State-by-state estimates of individuals who may be due 2019 income tax refunds https://www.irs.gov/newsroom/time-running-out-to-claim-1-point-5-billion-in-refunds-for-tax-year-2019-taxpayers-face-july-17-deadline

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Internship & Fellowship
Akukulu

NASA’s Internship Programs የናሳ ኢንተርንሺፕ ፕሮግራም

የናሳ ኢንተርንሺፕ ፕሮግራም በሳይንስ ፡ ቴክኖሎጂ ፡ ኢንጂነሪንግ እና ሂሳብ ተማሪዎችን እየተቀበለ ስልጠና ይሰጣል።ተማሪዎቹ የሁለተኛ ደረጃ እና የኮሌጅ ተማሪዎች ናቸው።የመጀመሪያ ዲጊሪያቸውን የጨረሱ ምሩቃን በፌሎውሺፕ ፕሮግራም መታቀፍ ይችላሉ።ለስልጠናው የደሞዝ ክፍያ ይሰጣል።በተጨማሪም ተማሪዎቹ ስልጠና ሲጨርሱ ናሳ በሙሉ ሰዓት ቅጥር ሊወስዳቸው ተዘጋጅቷል።ከተሳታፊ አገሮች አለም አቀፍ ተማሪዎች በዚህ የኢንተርንሺፕ ፕሮግራም ሊሳተፉ ይችላሉ። INTERN NASA Office of STEM Engagement (OSTEM) paid internships allow high school and college-level students to contribute to agency projects under the guidance of a NASA mentor. PATHWAYS INTERN The Pathways program offers current students and recent graduates paid internships that are direct pipelines to full-time employment at NASA upon graduation. Launch your career with a Pathways internship. INTERNATIONAL INTERN University students from participating countries may intern through the agency’s International Internships Project. Students work with other interns under the guidance of a NASA mentor. FELLOW NASA Fellowships allow graduate-level students to pursue research projects in response to the agency’s current research priorities. https://intern.nasa.gov/?utm_content=&utm_medium=email&utm_name=&utm_source=govdelivery&utm_term=

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Business Information/የንግድ መረጃ
Akukulu

SHOP for Small Business ሻፕ ለአነስተኛ የንግድ ተቋማት

ሻፕ ለአነስተኛ የንግድ ተቋማት የጤና እንክብካቤ ክፍያ እንዲያደርጉ የሚያግዝ ፕሮግራም ነው።ትርፋማ ለሆኑ እና ላልሆኑ ድርጅቶች የሚሰጥ ነው።ሻፕ ለቀጣሪዎች አመቺ እና በአቅማቸው መክፈል የሚችሉት ነው።መስፈርቱን ያሟሉ ድርጅቶች ለታክስ ድጎማ ያገኙበታል። The Small Business Health Options Program (SHOP) is for businesses and non-profit organizations that want to provide health and/or dental insurance to their employees. Offering coverage through the SHOP is affordable, flexible, and convenient. However, it is not the only coverage option for your business. Health Reimbursement Arrangements (HRAs) are a type of account-based health plan that employers can use to reimburse employees for their medical care expenses, including individual health insurance coverage, like a plan from the Individual Marketplace. Employers can decide what they contribute with no annual maximum. If you’re deciding between group coverage or an HRA, you can use our decision guide to find out which option fits the needs of your small business and employees. This guide will give you an overview of key things to know about group coverage and HRAs, including eligibility requirements, coverage options, and costs. Tax season is underway, and if your small business was enrolled in Small Business Health Options Program (SHOP) coverage in 2022 or previous years, you may need some tax-related information about your health insurance. For each year employees have SHOP coverage, they’ll receive a Tax Form 1095-B that reports the type of coverage they had, dependents covered by their insurance policy, and the period of coverage. This form is generated by insurance companies that offer SHOP coverage. If you need the form, or have questions about it: Employers should contact the health insurance company they enrolled with. Your 1095-B will also include your business’ unique Marketplace identifier number. Employees should contact their employer or the health insurance company they enrolled with if they have not received their 1095-B. Note: The SHOP does not generate or distribute Tax Form 1095-B to consumers enrolled in SHOP coverage.  Employers should keep a record of all tax documents and SHOP payment information for each year of their SHOP coverage. To read additional guidance on Tax Form 1095-B, visit IRS.gov. https://www.healthcare.gov/small-businesses/choose-and-enroll/shop-marketplace-overview/?utm_campaign=hcgov_shop&utm_content=enroll2022&utm_medium=email&utm_source=govdelivery

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Business Information/የንግድ መረጃ
Akukulu

QSEHRA Health Reimbursement ኪሴራ የጤና ወጪ ድጎማ ለአነስተኛ የንግድ ተቋማት

አነስተኛ የንግድ ተቋማት ለሙሉ ሰዓት ሰራተኞቻቸው የጤና ኢንሹራንስ ማቅረብ ካልቻሉ ኪሴራን በመስጠት ሰራተኞቻቸውን መርዳት ይችላሉ።ቀጣሪዎች ሰራተኞቻቸው በጤና ኢንሹራንሶቻቸው በኩል ላወጡት ወጪ ግብር የማይከፈልበት ተመላሽ ገንዘብ ይሰጡዋቸዋል።ለኪሴራ መስፈርቱን የሚያሟሉ ቀጣሪዎች የሰራተኛ ቁጥራቸው ከሃምሳ በታች የሆነ እና በሻፕ ስር የጤና ኢንሹራንስ የማያቀርቡ መሆን አለባቸው። Small employers who don’t offer group health coverage to their employees can help employees pay for medical expenses through a Qualified Small Employer Health Reimbursement Arrangement (QSEHRA). A QSEHRA allows small employers to provide non-taxed reimbursement of certain medical care expenses, like health insurance premiums and coinsurance, to employees who maintain minimum essential coverage (MEC), like a plan from the Individual Marketplace. To get non-taxed reimbursements from a QSEHRA, an employee (and any covered spouse and dependents) must be enrolled in MEC. To provide a QSEHRA to its employees, a small employer generally must: Have fewer than 50 full-time employees. Provide the arrangement on the same terms to all eligible employees (reimbursement amounts may only vary based on age and the number of individuals covered). Not offer a group health plan, such as Small Business Health Options Program (SHOP) coverage, or a flexible spending account. For more information on QSEHRAs, see these resources: Article: Qualified Small Employer HRAs (QSEHRAs) Article: Health Reimbursement Arrangements (HRAs) for small employers Notice: Internal Revenue Bulletin: 2017-47 Have questions? Contact your insurance company or a SHOP-registered agent or broker for help with SHOP coverage. For additional assistance, contact the SHOP Call Center at 1-800-706-7893 (TTY: 1-888-201-6445). To learn more about Health Reimbursement Arrangements (HRAs), visit this webpage. Talk to a licensed tax professional, benefits specialist, or a registered agent or broker to find out more about whether an HRA or traditional group coverage is right for your business.

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