How an ICHRA with Remodel Health works
At Remodel Health, we take the stress out of administering an individual coverage health reimbursement arrangement (ICHRA). From plan setup to ongoing management, Remodel Health works with you and your clients to design flexible and modern health benefits tailored to your company's needs.
See how our hands-on approach helps brokers and employers craft a personalized ICHRA health benefit so you can better support your employees.
What is an ICHRA?
An ICHRA is a tax-advantaged health benefit that enables employers to offer employees a monthly contribution amount to pay for individual health insurance premiums. Depending on the plan design, employers can also offer an HRA to cover qualified out-of-pocket medical expenses.
With an ICHRA, you set your preferred contribution amount according to your budget. With no annual caps and the ability to vary contributions based on age, family status, or employee class, the ICHRA has powerful customization options. Participating employees then enroll in a qualifying individual health coverage and pay for premiums with their ICHRA funds.
ICHRA contributions are tax-deductible and payroll-tax-free for employers and free from income tax for employees.
Want to learn more about the ICHRA?
Read our complete guide to get everything you need to know.
Our ICHRA administration platform makes offering personalized health benefits easy
Remodel Health strives to make the ICHRA process hassle-free, regardless of whether you’re a first-time ICHRA adopter or switching from another ICHRA vendor.
Evaluate your current benefits
Our consultants work with you using Remodel Health’s software to evaluate your current health plan and associated costs, giving you a clear understanding of potential savings with an ICHRA.
Design your ICHRA
We walk you through your custom ICHRA design, helping set tax-free contribution amounts and tailor the benefit to fit your workforce, answering questions along the way.
Onboard your employees
Our team provides onboarding support to ensure your employees have everything they need. We’ll provide virtual and in-person education sessions and digital resources to ensure a stress-free transition to the ICHRA.
Employees choose health coverage
Your staff can shop for qualifying individual coverage on our platform using personalized recommendations. They can also compare plans and filter their options, including by prescription medications or providers. Licensed benefits advisors are available to help with individual coverage or Medicare enrollment.
Make premium payments
Our AutoPay system sends employer contributions to secure employee accounts and pays insurance carriers directly. Our financial specialists monitor every payment to ensure accuracy. Plus, when employees select off-exchange plans, you can set up pre-tax payroll deductions for excess premiums your ICHRA contributions don’t cover. With connections to 200+ popular payroll and HRIS systems, we make ICHRA payments simple.
Why is an ICHRA with Remodel Health different?
Remodel Health offers full-service ICHRA administration that goes beyond software. Rather than just providing a platform, we combine innovative technology with a dedicated team of experts who guide employers and employees through every step of the ICHRA process.
With white-glove service, educational resources, and a dedication to quality care, Remodel Health makes offering and managing an ICHRA simpler and more effective for everyone.
See what makes Remodel Health different from other ICHRA vendors
Learn about our ICHRA products
ICHRA+
ICHRA+® lets employers offer tax-free contributions employees can use to purchase individual health insurance—putting choice directly in employees’ hands. We pair our ICHRA+® technology with personalized guidance and ongoing support from our health benefits experts. For large employers that require greater control, scalability, and customization, ICHRA+ is the perfect choice.
PeopleKeep
Small employers with fewer than 50 employees that don’t require enhanced features, hands-on support, or scalability can also consider our PeopleKeep product range of HRA solutions, including QSEHRA and ICHRA.
Full-service ICHRA administration
Our platform provides everything you need to administer an ICHRA, no matter your business size or budget.
We offer:
A dedicated team of experts
Our launch coordinators, licensed benefits advisors, and customer success managers work with you to provide white-glove support from implementation through renewal. With our help, you and your staff can get through onboarding and health plan selection like a pro.
Customized benefit design
We help you craft a personalized ICHRA design tailored to your workforce and goals. We include cost comparisons and guidance on determining the right employee classes, contribution limits, and eligible expenses.
In-house onboarding support
We offer your employees custom communications, educational sessions, and one-on-one support, while providing you with detailed insight into enrollment progress.
Health insurance shopping assistance
Our software's shopping tools and licensed advisors help employees compare and enroll in individual health coverage. We also provide year-round support for Medicare, claims, and special enrollment periods if employees experience a qualifying life event.
Premium payments with accuracy and protection
Our secure automated premium payments are over 99% accurate and supported by FDIC-insured accounts and overdraft protection. Our team monitors and promptly corrects any errors. We also have various payroll integrations and pre-tax withholding options.
Federal compliance management
Our team provides full-service compliance support, including help with required notices, plan documents, and tax reporting. We also keep track of PCORI fees and regulatory updates, so you don’t have to worry.Automated premium payments accuracy
Customer revenue retention from 2024 to 2025
Employees, the most of any ICHRA administrator
Members served
Remodel Health serves businesses of all sizes and industries
Small businesses
With our PeopleKeep product, small businesses with fewer than 50 full-time equivalent employees (FTEs) have a cost-effective and flexible way to give employees tax-free financial assistance for eligible medical expenses.
Enterprise businesses
We help large employers looking for greater hands-on guidance offer personalized health benefits that are more cost-effective than traditional health benefit options.
Brokers and agents
We partner with brokers and agents nationwide to strengthen their clients’ benefits strategies, enabling them to better serve their employees’ unique needs.
Schools & universities
We support educational institutions with affordable health benefit solutions that their staff and faculty will love.
Churches and ministries
Our flexible health benefit options can help meet the goals of churches and ministries without diverting any funds away from supporting your congregation.
Nonprofit organizations
We help nonprofits offer customized health benefits that support their teams, regardless of company size or geographic location.
Don't take our word for it. Listen to our customers!
Our customer testimonials demonstrate our commitment to service excellence.
“ICHRA has allowed our employees to think about what’s inherently best for them. For us to be able to provide that through a really flexible solution through Remodel Health, it reshapes the conversation of what makes a benefit beneficial."
Austin Beachy
Director of HR, PWI
"Remodel Health has partnered with us to provide an excellent experience for our employees when they’re choosing their health benefits. They made us feel that we mattered in the process, that our goals and objectives for our employee base and for our company culture were still important."
Abby Olson
VP of HR, Meyer Foods Management
FAQs
What is Remodel Health?
Since 2015, Remodel Health has helped employers nationwide switch from traditional group health insurance to cost-effective benefit solutions. Headquartered in Indianapolis, we partner with brokers and organizations across industries to design and administer customized ICHRAs, combining modern technology with expert support built for today’s workforce.
What size companies does Remodel Health work with?
Remodel Health works with organizations of all sizes, primarily serving large and enterprise organizations with more than 100 employees.
Who can offer an ICHRA?
Any business owner can offer an ICHRA to W-2 employees, regardless of the company’s size, industry, or location.
Does the ICHRA have any contribution limits?
The federal government doesn’t set minimum or maximum contribution limits on the ICHRA. The employer chooses how much they’re willing to contribute to an employee each month. Employers can also vary contributions by employee classes, age, and family status.
Who can participate in an ICHRA?
Only full-time or part-time W-2 employees and their eligible dependents who have qualifying individual health coverage that provides minimum essential coverage (MEC) can use the benefit.
Does COBRA apply to ICHRAs?
Yes, the ICHRA is subject to COBRA requirements.
Are ICHRAs compatible with HSAs?
Yes, but the ICHRA must have a specific plan design to coordinate with a health savings account (HSA). Employers must offer a limited-purpose ICHRA to employees with an HSA that restricts reimbursements to premiums and permitted excepted benefit expenses such as dental, vision, and long-term care.
Who owns an ICHRA?
The ICHRA is employer-owned. Unused contributions stay with the employer at the end of the plan year or if an employee leaves the company.
Who can contribute to an ICHRA?
Under federal law, only employers can fund ICHRAs.
Can an ICHRA satisfy ACA requirements for applicable large employers?
Yes, as long as the allowance meets IRS affordability standards and the employer offers the ICHRA to at least 95% of full-time employees and their dependents. For 2026, coverage is affordable when an employee’s cost for the lowest-cost silver Marketplace plan, after the ICHRA allowance, is no more than 9.96% of their household income.
Employees must also enroll in a qualifying plan that meets MEC and minimum value standards.
Read more about ACA affordability for 2026.
What does an ICHRA cover?
Depending on plan design, ICHRAs can cover individual health plan premiums and more than 200 types of qualified medical expenses outlined in IRS Publication 502 and the CARES Act.
Does offering an ICHRA have tax advantages?
Yes, ICHRA contributions aren’t subject to employer payroll taxes and are exempt from employees’ taxable income.
Are there any reporting requirements for an ICHRA?
Yes, but reporting requirements depend on the company size. Employers with fewer than 50 FTEs file Forms 1094-B, 1095-B, and Form 5500-SF or 5500-EZ if applicable. Employers with 50 or more FTEs file Forms 1094-C, 1095-C, and Form 5500 if applicable. They also must file Form 720 and pay the Patient-Centered Outcomes Research Institute (PCORI) fee.
Let’s talk through your ICHRA questions.
Navigating the world of healthcare doesn’t have to be complicated. Finally, we’re here to guide you and your enterprise business every step of the way.