Meet Remodel Health's ICHRA payment solution: Automated, seamless, and secure
Our modern technology and team of experts built a frictionless end-to-end payment solution for ICHRA that you can trust. No reimbursement or chasing down paper receipts required.
At Remodel Health, we make healthcare benefits easy to manage. By combining innovative technology with expert oversight, we’ve built a smarter, safer way to handle health insurance premium payments for ICHRA. Our ICHRA+ administration solution, combined with industry-leading payments technology, works for today’s modern workforce.
99%+
Payment accuracy, 2025
Real-time
Balance and transaction visibility
How it works
Remodel Health ensures premiums are paid each month. Here's how it works.
Monthly cost reporting
We create a monthly financial report that totals your company's premium costs: What the organization is contributing, and what's left to deduct from employee payroll. Where payroll integration is available, employee roster data stays fresh and payroll deductions calculate and run automatically.
Account funding
On a set date each month, we transfer the total premium amount from your company's bank account into a dedicated pre-funding account managed by Remodel Health.
Premium payments
We run monthly autopays with each insurance carrier where available, timed to that carrier's own billing process. Our Financial Operations team oversees this process each month and ensures successful payments in cases where autopay isn't available.
Tech and service intentionally designed to work together
Payment efficiency
Premium accuracy
Adaptability to change
Uninterrupted coverage
Enterprise-grade payments infrastructure built for reliability, security, and scale
We partner with a leading embedded finance platform and bank partner to power our payments.
Built-in fraud monitoring and transaction controls
Real-time payment visibility from funding through settlement
Automated reconciliation and audit trails
Connect your payroll system
Our payment process connects with leading payroll and HRIS systems, simplifying your administrative burden. We've built direct integrations with industry-leading payroll systems, and we continue to expand our partnerships and investments.
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Payments frequently asked questions
Do employees need to set anything up?
No. Employees don't create accounts or manage payments. Remodel Health handles funding and carrier payments entirely on the employer side.
Do employers need to create an account?
Yes, employers create an account when onboarding with Remodel. You can set up an account and connect funding in minutes. You fund this account each month and Remodel takes it from there to ensure individual employee premiums are paid.
How do you ensure accuracy and timeliness?
Our Financial Operations Specialists monitor every transaction and adjust quickly to premium changes to keep payments accurate and coverage uninterrupted. Our ICHRA payment solution ran at 99%+ accuracy in 2025.
Is this process secure?
Yes. We combine a secure payments platform, strict banking and data compliance standards, and hands-on oversight from our Financial Operations team on every transaction.
What happens if there’s a shortfall?
Our process includes overdraft protection and a built-in safeguard to cover shortfalls, backed by continuous auditing from our team. Coverage stays active and uninterrupted.
How does ICHRA work?
We specialize in administering the individual coverage health reimbursement arrangement (ICHRA). It’s a modern approach to employer-sponsored health benefits that gives both organizations and employees greater freedom, flexibility, and cost control.
With an ICHRA, employers set a monthly allowance instead of choosing a one-size-fits-all group health insurance plan. Employees then use those tax-free dollars to purchase individual health plans that best fit their needs.
Here’s how it works:
- Employer sets their budget. The organization determines contribution amounts for each employee class.
- Employees choose their own health plans. Team members shop for individual health coverage that works best for them and their families through their Remodel Health accounts.
- Remodel Health handles the rest. We manage employee premium payments, ensure regulatory compliance, and provide white-glove customer support through our ICHRA+ administration platform.
This approach not only reduces administrative burden but also empowers employees while ensuring cost stability for employers.
Are automatic payments better than ICHRA reimbursements?
Traditional ICHRA administration often relies on a reimbursement model, where employees pay premiums out of pocket and then submit receipts for repayment. While compliant, this process can be time-consuming, confusing, and financially stressful.
Here’s why autopay delivers a better experience for everyone:
- No waiting for reimbursements. Employees don’t have to front hundreds of dollars out of their own pockets for premiums each month.
- Simplified compliance. Automatic payments ensure every transaction follows IRS requirements, reducing errors and administrative risk.
- Fewer manual tasks. HR teams spend less time gathering documentation, approving reimbursements, and managing payment discrepancies.
- Consistent coverage. Automated payments prevent gaps in coverage due to missed or late payments.
Connect with us.
At Remodel Health, we go beyond simply automating payments. We craft a seamless, reliable, and secure environment for managing ICHRA. By integrating advanced technology, strategic partnerships, and personal expertise, we guarantee each transaction is precise, compliant, and supported by dedicated professionals who truly care.