A broker’s path to ICHRA success with Remodel Health

As the health benefits landscape continues to evolve, brokers are being asked to deliver more than ever. Clients expect cost control, flexibility, and an exceptional employee experience, all at once. It can feel impossible to meet all of these expectations, especially with rate increases.

That’s where the individual coverage health reimbursement arrangement (ICHRA) comes in. As a flexible, cost-effective alternative to traditional group health insurance, ICHRA is reshaping how employers approach benefits by bringing personalization and predictability to the forefront. According to the HRA Council, ICHRA adoption grew 34% among large employers from 2024 to 2025.

But success with ICHRA takes more than a basic understanding of how it works or choosing an administrator. It takes the right partner that can help you and your clients manage ICHRA at scale.

In this article, we’ll explain how Remodel Health equips brokers with the tools, support, and expertise needed to confidently offer ICHRA to their clients.

In this blog post, you'll learn:

• Why brokers are adding ICHRA to their portfolio and how it unlocks new business opportunities.
• How Remodel Health simplifies ICHRA implementation and removes administrative complexity.
• Ways to enhance the employee experience with personalized support, clear guidance, and year-round assistance.

Why brokers are adding ICHRAs to their book of business

For brokers rooted in traditional group health insurance, ICHRA represents an opportunity to evolve alongside the market. Rising health insurance premiums, limited carrier options, and employer demand for cost predictability are pushing many clients to explore alternatives.

“When evaluating alternatives like reference-based pricing (RBP), Surest, or Sidecar Health, ICHRA should be part of every conversation,” said TJ Witham, Vice President of Broker Sales at Remodel Health. “While implementation may require change management upfront, it often results in a significantly better long-term experience for employees.”

By adding ICHRAs to your portfolio, you can meet that demand head-on, offering a solution that provides budget control for employers while expanding choice and personalization for employees. When you offer ICHRA as an alternative to group insurance, you position yourself as a forward-thinking advisor and open the door to new business opportunities.

Meet Remodel Health: The nation's largest ICHRA provider

Remodel Health is your ICHRA administration partner at scale. We’re the largest ICHRA vendor by employee count and revenue, and we can support you and your clients through our ICHRA+ and PeopleKeep products. With our ICHRA+ platform, Remodel Health provides a full-service experience that’s simple, smart, and scalable. Serving clients across all 50 states, we’re transforming the way businesses offer health benefits.

Remodel Health supports brokers at every stage, from quoting and onboarding to payments, compliance, and ongoing employee support. With industry-leading technology and the largest in-house team, we make it easy for you to deliver an outstanding client experience.

Here are six ways Remodel Health helps you offer ICHRA with confidence.

1. We determine if ICHRA is the smart move for your clients

Every successful ICHRA conversation starts with one question: Is this the right move for this employer?

We help brokers answer that question with a comprehensive feasibility analysis comparing ICHRA to the employer’s current group health plan. This isn’t a surface-level estimate. It’s a detailed review of cost, employee impact, and long-term sustainability.

Here’s how it works:

• Share a lead with us, and we’ll deliver a custom ICHRA analysis highlighting potential savings, affordability, and a defensible class strategy.
• To run the analysis, we’ll need your client’s employee census, benefits summary, and total annual spend.

We recognize that ICHRA isn’t a good fit for every employer. We’re honest and transparent in our approach. While ICHRA is a viable solution for most employers, we’ll let you know if it isn’t the best option for your client.

At Remodel Health, we serve both applicable large employers (ALEs) and small to mid-sized businesses. Following our acquisition of PeopleKeep in 2024, we now offer HRA administration software specifically tailored to the needs of smaller business owners.

2. We build trust through education

At Remodel Health, we invest in education and ongoing support for our broker partners. Our ICHRA Academy™ is a structured training program designed for brokers, combining short, practical video lessons with quick knowledge checks for efficient, actionable learning.

Topics include:

• ICHRA fundamentals
• Identifying ideal client scenarios
• Compliance considerations
• Best practices for implementation

By completing the program, brokers gain the knowledge and confidence to recommend, implement, and manage ICHRAs effectively.

3. We ensure accurate premium payments

Execution matters, and payment errors can create serious consequences for both employers and employees. Late or incorrect payments can result in employees losing their individual health coverage, underscoring the importance of accuracy.

Remodel Health reduces this risk with our AutoPay system, which automates premium payments directly to carriers with more than 99% accuracy. Using secure, FDIC-insured accounts, every transaction is actively monitored by our dedicated financial operations team, combining automation with human oversight for complete peace of mind.

By handling payments efficiently, we remove administrative burdens from brokers and employers alike, so you can focus on strategy, growth, and delivering a better client experience.

4. We offer personalized support that employees value

ICHRA gives employees control over their health plan choice, which is empowering, but it can also feel overwhelming. That’s why one-on-one advisement support is a core part of the Remodel Health experience.

Employees have access to licensed experts who guide them through options, answer questions, and help them choose a plan that fits their needs and budget. Dedicated launch coordinators support both employers and employees throughout implementation, ensuring a smooth, hands-on experience from day one.

Members can shop for coverage using the Remodel Health ICHRA+ platform instead of navigating the individual market on their own.

Comprehensive onboarding resources include:

• Virtual and in-person education sessions
• Step-by-step guides and helpful tools to build confidence
• Guided health plan shopping directly through Remodel Health accounts, with recommendations, plan comparisons, and filters for preferred providers and prescriptions

5. We offer seamless integration with payroll and HRIS systems

No one wants a benefits solution that creates extra work. Remodel Health’s health benefits platform integrates with more than 200 payroll and HRIS systems, including major providers like ADP and Paylocity.

With ICHRA+, HR, payroll, and benefits data sync automatically, reducing manual processes and administrative friction. For brokers, this means a solution that’s simpler to implement and manage. For employers, it ensures smooth, scalable administration, whether they’re a small business or a large enterprise.

6. We provide year-round support that sets you apart

Benefits don’t stop after Open Enrollment, and neither should support. At Remodel Health, every client has access to experienced advisors who are invested in their success.

Unlike many other ICHRA vendors, where help can feel like submitting a ticket and waiting, Remodel Health solves problems as quickly as possible.

“When you have a team that’s two or three times larger than everybody else, you have a person to get a hold of when a problem happens,” said Austin Lehman, CEO of Remodel Health. “You can get to a real person at Remodel Health, and we’ve heard sometimes that people haven’t been able to do that with others.”

Conclusion

For brokers, ICHRA represents more than just another offering. It’s a way to deliver greater value, flexibility, and long-term sustainability to clients who have relied on costly group health plans in the past. With Remodel Health as your ICHRA vendor, you’re not navigating that shift alone. You’re backed by the tools, expertise, and support needed to guide employers every step of the way.

Ready to help your clients rethink their health benefits strategy? Let’s build your path to ICHRA success together.