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PeopleKeep HRA administration for small businesses

Small businesses deserve health benefits that are simple, affordable, and easy to manage. While Remodel Health’s ICHRA+ solution primarily supports large and enterprise organizations, PeopleKeep by Remodel Health focuses on helping small teams confidently launch and manage HRAs without the overwhelm.

If you don’t have a full HR department, or you’ve never offered health benefits before, you’re in the right place.

Built for small businesses

Many small employers want to offer health benefits but feel stuck. Group plans are expensive, administration feels complicated, compliance seems intimidating, or they don’t know where to start. PeopleKeep removes these barriers with user-friendly software that guides you through setup, simplifies administration, and keeps you compliant.

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Why small businesses choose PeopleKeep

As one of the longest-standing and most trusted HRA administration providers, PeopleKeep helps small businesses lower healthcare costs while staying fully compliant.

Our team of experts supports you by:

  • Creating compliant plan documents that meet federal requirements
  • Helping you design a benefits strategy that fits your budget and workforce
  • Reviewing and processing employee reimbursement requests on your behalf
  • Managing and securely storing required documentation
  • Delivering award-winning support for both you and your employees

Your employees can also shop for individual health insurance within their PeopleKeep accounts. This built-in shopping experience reduces confusion since employees don’t have to navigate the health insurance marketplace alone.

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How it works

Getting started with an HRA is simple.

Choose which HRA you want to offer.

Whether you want to supplement group coverage with an HRA for out-of-pocket expenses or offer a stand-alone benefit, PeopleKeep offers three HRAs: the QSEHRA, ICHRA, and GCHRA.
Choose which HRA you want to offer.

Set your budget.

Choose how much you want to offer employees in tax-free allowances each month.
Set your budget.

Employees choose coverage.

For the QSEHRA and ICHRA, employees purchase the individual health insurance plans that fit their needs.
Employees choose coverage.

Submit and reimburse.

Employees submit proof of expenses through the PeopleKeep platform. After the PeopleKeep team reviews the documentation for compliance, you reimburse them tax-free up to their allowance amount.
Submit and reimburse.

QSEHRA: A simple starting point for small teams

The qualified small employer HRA (QSEHRA) is ideal for small businesses with fewer than 50 full-time equivalent employees (FTEs). It’s often the perfect starting point for employers offering benefits for the first time.

With a QSEHRA through PeopleKeep, you can:

  • Reimburse employees for individual health insurance premiums and qualified medical expenses
  • Customize monthly allowances by family status
  • Stay within a predictable budget
  • Offer meaningful benefits without sponsoring a group plan

Employees need minimum essential coverage (MEC) to participate in the QSEHRA. This includes coverage through a spouse's or parent's group health plan.

ICHRA: A flexible benefit that grows with you

As your business grows, your benefits strategy can grow with you. An individual coverage HRA (ICHRA) works for employers of all sizes.

With ICHRA through PeopleKeep, you can:

  • Reimburse employees for individual health insurance premiums and qualified medical expenses
  • Control costs as your team grows
  • Customize allowances by employee class, age, and family status
  • Satisfy the Affordable Care Act's (ACA) employer mandate without sponsoring a group plan. While PeopleKeep primarily supports small businesses, ICHRA provides a path to satisfy ACA requirements should your team grow beyond 50 FTEs.

Unlike the QSEHRA, employees need their own individual health insurance plans to participate in the ICHRA.

GCHRA: A supplement to group coverage

If you want to support your employees’ out-of-pocket medical costs while continuing to offer a group plan, a group coverage HRA (GCHRA) is right for you. With this HRA, sometimes called an integrated HRA, you can offer your employees a tax-free allowance for out-of-pocket costs, including expenses before they reach their group plan deductible, copays, and more.

Should I choose PeopleKeep or Remodel Health?

We have a solution that fits your business size and needs.

Features
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ICHRA+ by Remodel Health comptab-infoalt7-icon
Best for
Small teams and startups with fewer than 50 employees
Large and enterprise groups with 50+ employees
HRA options
QSEHRA, ICHRA, and GCHRA
ICHRA
Service model
Intuitive software and digital tools
White-glove, full-service ICHRA administration
Premium payments
Reimbursement model: Employees pay for premiums and out-of-pocket costs, then request reimbursement
Automated premium payments with industry-leading 99%+ accuracy

 

Not sure which solution is right for your business? Contact us, and we’ll walk you through your options.

New to benefits? Start here.

New to benefits? Start here.

Offering health benefits shouldn’t feel intimidating. With PeopleKeep by Remodel Health, you get software built specifically for small and new-to-benefits employers, plus the expertise of a trusted industry leader behind you.

Ready to offer health benefits the easy way? We're here to help. Schedule a call with one of our HRA specialists today to get started.

GET STARTED
Looking for benefits for teams of 50+ employees?

Looking for benefits for teams of 50+ employees?

ICHRA+ by Remodel Health is the right choice for large and enterprise employers. We offer the most complete service model in the industry, backed by features like AutoPay for employee premiums, direct payroll integrations, and white-glove customer service. 

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