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Remodel Health's automated ICHRA payments: A seamless experience

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.

Remodel Health Payments

Understanding ICHRA

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.

Why automatic payments beat 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.

Transforming health insurance payments

Our strategic partnership with Treasury Prime, a leading banking-as-a-service provider, marks a significant step forward in ensuring that the process of paying monthly health insurance premiums is seamless, efficient, and secure for everyone involved, from the organizations we serve to their employees and the health insurance carriers we partner with.

Treasury Prime is at the forefront of banking technology, providing a bridge between traditional banking systems and modern financial applications. Their platform enables Remodel Health to automate and streamline the transactions involved in paying health insurance premiums. Through Treasury Prime and our trusted financial partners, we ensure these transactions are efficient, compliant, and protected by industry-leading security standards.

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Payroll integrations

Our payment process integrates with more than 200 payroll and HRIS systems, simplifying the workload required by your payroll staff.

We’ve built integrations with many of the top systems employers use, including ADP, UKG, and Paylocity, and we continue to expand partnerships with other major platforms to make ICHRA administration even more seamless.

Overview of the ICHRA payment process with Remodel Health

Our innovative payment process streamlines the handling of health insurance premiums, leveraging the individual marketplace to deliver flexible and personalized benefits through ICHRA. Here’s how it works:

Payroll deduction reports

Each month, customer organizations receive a payroll report detailing the health insurance premium deductions for each employee, based on their selected individual health plans.

transfers

On a predetermined date, we transfer premium payments from the customer organization's bank accounts to a Remodel Health FMO holding account at Bangor Savings Bank via ACH transfers.

Individual employee accounts

We allocate an employer’s ICHRA contributions to individual FDIC-insured accounts created for each employee, corresponding exactly to their premium costs. These funds pay health insurance premiums only.

Insurance premium payment

Remodel Health uses employees’ virtual accounts to set up automatic payments with health insurance carriers. Carriers withdraw premiums directly from each account, ensuring timely payment and continuous coverage. Employee accounts hold no balance after payments are made.

Expert oversight

Remodel Health staffs a full team of Financial Operations Specialists. This team oversees the entire payment process each month, verifying every premium payment for accuracy and timeliness. The team tracks and reconciles all fund movements in real time, like a bank account, and provides precise balances for any organization or employee at any time.

The Remodel Health difference: Where automation meets human expertise

While our system leverages the power of automation, our team plays a crucial role in ensuring its success. We audit every step of the payment process, adding a layer of human oversight to technological precision. This ensures that any changes in premiums are captured and adjusted, maintaining the integrity and reliability of the entire process.

  • Efficient payments
  • Personalized employee accounts
  • Adaptability to changes
  • Uninterrupted coverage
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Frequently asked questions

How does Treasury Prime support the process?

Treasury Prime’s technology enables us to automate and secure the entire payment process, ensuring accuracy, efficiency, and compliance

How do you ensure accuracy and timeliness?

Our Financial Operations Specialists monitor all transactions, supported by Treasury Prime’s flexible platform. We adjust quickly to any premium changes to keep payments accurate and coverage uninterrupted. Our automated ICHRA payments system has a 99%+ accuracy as of 2025.

Is this process secure?

Absolutely. The combination of Treasury Prime’s and Remodel Health’s secure platforms, adherence to banking, technology, and data compliance, and our team’s diligent oversight ensures the highest level of security for your financial transactions.

What happens if there’s a shortfall?

Our process includes overdraft protection and a safeguard mechanism to cover any shortfalls, backed by continuous auditing by our team. This ensures coverage remains active and uninterrupted.

Will this affect my credit score?

No. We don’t perform credit checks, as the accounts used for health insurance payments are debit-based, not credit-based. However, you may see “LINC Holdings LLC, dba Remodel Health” appear in identity protection notifications — this is standard and has no impact on your credit.

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.