Win and retain more clients with the nation’s most trusted ICHRA partner

Why partner with Remodel Health?

When it comes to offering an ICHRA, the partner you choose matters. It determines whether that transition builds trust or creates problems that cost you your business. Remodel Health is built to support brokers through the moments that matter most: quoting, onboarding, payments, compliance, and employee support. We combine best-in-class technology with the largest in-house team to help you provide the best client experience possible.

As an extension of your team, we handle the complexity of ICHRA administration so you can stay front and center with your clients as the trusted advisor. You get tools, streamlined processes, and a dedicated support team that knows the ICHRA inside and out. Plus, brokers can take our proprietary ICHRA Academy to earn certification and become the go-to ICHRA authority for their clients.

Industry-leading broker NPS of 92

Broker-focused quoting and client management tools

Flexible compensation models that fit your business

Remain broker of record for ancillary lines

What is the ICHRA?

An individual coverage health reimbursement arrangement (ICHRA) is a tax-advantaged benefit that allows employers to reimburse employees for individual health insurance premiums and, if they choose, other qualified medical expenses. Employers offer a fixed monthly contribution amount, and employees enroll in their preferred individual health coverage.

ICHRAs provide flexibility and budget predictability. Employers set contribution amounts up to the maximum limits they choose, ensuring they stay in control of their budget. They can also set eligibility rules and customize allowances by employee class, age, or family size. Employees then enroll in qualifying individual coverage and use their ICHRA funds to pay for premiums.

For employers, ICHRA contributions are tax-deductible and exempt from payroll taxes. Reimbursements are also free from income tax for participating employees.

Why should insurance brokers consider an ICHRA for their clients?

ICHRAs give employers a better way to control healthcare costs while still offering a benefit that employees value. Instead of your clients facing unpredictable renewals and rising premium rates, they set a defined contribution, and employees choose coverage that works for them.

ICHRAs are a good fit for organizations that:

Are facing repeated group plan renewal increases
Have high or volatile claims experience
Employ remote or geographically dispersed teams
Struggle with low participation in their current group health plan

For brokers, ICHRA allows you to present a more sustainable benefits strategy to your clients that emphasizes improving employee satisfaction.

Grow your book of business with Remodel Health in three steps:

Quote with confidence. Share a lead, and we’ll deliver a custom ICHRA analysis that identifies potential savings, affordability, and a defensible class strategy. To run a quote, we’ll need you to submit your client’s employee census, benefits summary, and total annual spend.
Launch the ICHRA. Remodel Health’s expert team manages implementation, employee onboarding, and ongoing support so your clients have a smooth, confident transition and experience.
Earn recurring revenue. You’ll receive a commission on all new business you place with Remodel Health.

What is Remodel Health?

Remodel Health is the nation’s largest ICHRA administrator, helping employers move from traditional group health insurance to more flexible, cost-predictable benefits. Since 2015, we’ve partnered with brokers and employers across industries to design modern health benefit strategies that give employees more choice while keeping budgets in check.

With our ICHRA+® platform and dedicated staff members, Remodel Health delivers a full-service ICHRA experience that combines innovative technology with hands-on guidance. With clients in all 50 states and a growing team, we’re redefining how business owners offer health insurance benefits.

Today, Remodel Health supports more than 100,000 members nationwide with a team of 200+ employees. Through our 2024 acquisition of PeopleKeep, one of the oldest and most recognized HRA administrators, we also support small- and midsize-employers offering benefits for the first time.

How does Remodel Health work for your clients?

Whether your client is new to health benefits or transitioning away from a traditional group plan, Remodel Health provides end-to-end ICHRA support that you can rely on.

Our expert team manages every detail, including:

Compliant ICHRA plan design
Legal plan documents
Employee education, onboarding, and enrollment
AutoPay for individual health insurance plan premiums
Required ICHRA notices
Data support for compliance filings

Partnering with Remodel Health vs. other ICHRA vendors

	Remodel Health	Other vendors
Dedicated account management	✔ Included for every client	X Often limited or size-based
Built-in ACA compliance and reporting support	✔ Included	Varies widely
Broker dashboard with quoting and tracking	✔ Included	X Not always available
Integrated shopping with off-exchange health plans	✔ Included	X Often limited or external
Direct carrier payment with overdraft protection (AutoPay)	✔ Included, with industry-leading 99+% accuracy	X Often unavailable or subpar
Broker-controlled compensation model	✔ Brokers choose their PEPM revenue-share amount	X

FAQs

Remodel Health supports businesses of all sizes, with a primary focus on large and enterprise employers with 100+ employees. This makes us a good option whether your client is small, large, or focused on growing their company over time.

It’s easy! And we’ll partner with you throughout the entire process. First, submit your client’s employee census, benefits summary, and total annual spend, and we’ll create a custom ICHRA analysis and proposal. If ICHRA is a strong fit, our ICHRA+® platform enables tailored benefit design, while our team supports employee plan selection, onboarding, and ongoing administration.

While we believe in ICHRA, we understand that it isn’t the best fit for every group. If your client isn’t a good fit for ICHRA, we’ll let you know. We believe in a fully transparent and honest quoting process.

Yes. You remain your clients' trusted advisor from start to finish. Remodel Health aims to support brokers, not replace them, with tools and expertise that strengthen client relationships.

Yes, an ICHRA can satisfy ACA requirements for applicable large employers (ALEs). But it must meet IRS affordability guidelines, and the employer must offer it to at least 95% of full-time employees and their dependents.

For 2026, the federal government considers coverage to be affordable if the employee’s cost for the lowest-cost silver Marketplace plan — after applying their ICHRA allowance — doesn’t exceed 9.96% of household income. Employees must also enroll in qualifying individual coverage that provides minimum essential coverage (MEC) and meets minimum value requirements.

Yes, with the right plan design. Employers must offer a limited-purpose ICHRA that limits reimbursements to premiums and eligible excepted benefits, such as dental and vision, to those with an HSA.

Learn more about how to pair an ICHRA with an HSA.