Which of the following statements is true regarding ICHRAs and QSEHRAs?

The statement that consumers must enroll in an ACA qualified individual health plan is true regarding Individual Coverage Health Reimbursement Arrangements (ICHRAs) and Qualified Small Employer Health Reimbursement Arrangements (QSEHRAs).

ICHRAs are designed to allow employers to provide reimbursement for employees' individual health insurance premiums and other qualified medical expenses, and it requires that the individual health plans must comply with the Affordable Care Act (ACA) requirements. This ensures that the plans are comprehensive and meet minimum essential coverage standards, providing employees with essential health benefits.

On the other hand, QSEHRAs are specifically for small employers and also require that employees use the reimbursement to purchase individual health plans that meet ACA standards. If a consumer does not enroll in an ACA-compliant health plan, they would not be able to substantiate their claims for reimbursement under ICHRAs or QSEHRAs. Therefore, ensuring enrollment in ACA qualified individual health plans is essential for the functionality of both types of reimbursement arrangements.