Features
Remodel Health
Zorro
When was the company founded?
Remodel Health started in 2015.
Zorro began in 2022.
Where is the company headquartered?
Remodel Health is based in Indianapolis, IN, with additional employees located remotely throughout the U.S.
Zorro is based in New York, NY.
How large is the team?
Remodel Health has the largest headcount of any ICHRA administrator, with more than 200 employees.
Zorro has 50 employees.
What employer sizes does the company serve?
Remodel Health serves small to enterprise businesses, with their largest clients employing more than 1,000 eligible employees. The Remodel Health brand focuses on helping applicable large employers (ALEs) and enterprise organizations, while its PeopleKeep brand specializes in small to midsize businesses.
Zorro supports companies of all sizes, from small to enterprise businesses.
How many states does the platform operate in?
Remodel Health’s ICHRA administration is available in all 50 states.
Zorro’s ICHRA administration is available in all 50 states.
Does the platform offer virtual and in-person education sessions?
Yes. Remodel Health provides virtual or in-person personalized launch sessions, employee education, and training resources. All ICHRA+ plans come with white-glove support.
Zorro provides virtual onboarding sessions and guided support.
Does the company provide in-house, licensed enrollment support?
Yes. Remodel Health’s in-house and licensed advisors help employees nationwide compare and enroll in qualified off-exchange health plans.
Yes. Zorro’s enrollment team offers concierge support to help employees with plan selection in all 50 states.
Are off-exchange plans supported?
Yes.
Yes.
Does the platform include an integrated health plan shopping experience?
Yes. Remodel Health members can compare health plans by carrier, metal level, price, provider network, HSA eligibility, and more. They can easily enroll in coverage from their Remodel Health dashboard and get help from licensed in-house advisors.
Yes. Zorro offers an AI-powered marketplace that helps employees compare and select plans.
Are Medicare enrollment specialists available in-house?
Yes. Remodel Health’s in-house licensed specialists assist employees and family members with Medicare enrollment.
No. Zorro provides guidance on how ICHRA works with Medicare, and its platform allows for the upload, verification, and reimbursement of Medicare coverage. However, they don’t have a dedicated Medicare enrollment team. Instead, Zorro supports employees in Medicare enrollment through a third-party service called Chapter.
Is there in-house, ongoing member support?
Yes. Remodel Health’s year-round customer success team provides compliance check-ins, troubleshooting, and renewal support. They are available via chat, email, and phone.
Yes. Zorro offers ongoing member support via its resource center and concierge services.
Does the company help employees with managing medical claims?
Yes.
No.
Is a dedicated account or client success manager assigned?
Yes. All Remodel Health ICHRA+ customers receive a dedicated account manager, customer success representative, and launch coordinator.
Yes. Employers receive a dedicated project manager for end-to-end benefit administration.
Are health insurance premium payments automated and sent directly to carriers?
Yes. Remodel Health’s automatic payment system processes payments with over 99% accuracy, backed by FDIC-insured overdraft protection.
Yes. Employee Zorro Pay cards support automated direct carrier premium payments.
Are safeguards in place to prevent coverage gaps during mid-year premium changes?
Yes. Remodel Health has built-in protections to ensure employees have continued coverage during rate changes.
No. However, Zorro’s Help Center mentions that employees can reach out if they notice a discrepancy.
Are detailed payroll reports provided for enrolled employees?
Yes, Remodel Health provides detailed payroll reports.
Yes, Zorro provides payroll reports.
Is onboarding and renewal support with contribution and plan design recommendations included?
Yes.
Yes.
What support channels are available?
Chat, email, and phone support are available. Organizations also have a dedicated account manager they can reach out to.
Email, phone, in-platform live chat, and knowledge center resources are available.
How is broker compensation structured?
Remodel Health uses a flexible recurring revenue-sharing model. The broker can choose their own per employee, per month (PEPM) rate.
Specific broker compensation details are handled through broker commission arrangements.
Is there formal training or education for brokers?
Yes. Brokers can take Remodel Health’s proprietary online ICHRA Academy course to further their education and receive their ICHRA certification.
No. However, Zorro offers broker tools, sales and implementation resources, and published guides.
Is there a dedicated quoting platform for brokers?
Yes. Remodel Health has a new comprehensive quoting platform for brokers with customizable dashboards.
Yes. Zorro’s AI platform provides allowance modeling, tailored proposals, and centralized portfolio management.
Is there a dedicated administrative platform for employers?
Yes. Remodel Health offers an all-in-one benefits management platform, featuring employer dashboards and plan setup tools.
Yes. Zorro’s interface offers employers dashboards, compliance reporting tools, and implementation support.
Does the company provide full compliance support?
Yes. Remodel Health handles all ICHRA compliance and tax documentation for the employer. This includes providing data and guidance for 1094/1095 reporting, PCORI fees (including filled-out Form 720s), and Medicare. Compliance support is included in all ICHRA+ plans.
Yes. Zorro supports ICHRA compliance and tax documentation filings for employers.
Are ACA affordability checks built into the platform?
Yes. Plus, Remodel Health guides employers and brokers through the setup process, including working with you to create the right budget and contribution.
Yes. Zorro allows business owners to design contribution strategies that can comply with ACA employer mandate requirements for applicable large employers (ALEs).
Does the vendor supply legal plan documents and ICHRA notices?
Yes.
Yes.
Is 1094/1095 reporting support provided?
Yes.
Yes.
Are PCORI and Form 720 reporting supported?
Yes.
Yes.
Are payroll and HRIS integrations available?
Yes. Direct payroll integrations are available from ADP, UKG, and Paylocity. There are also more than 200 other payroll and HRIS integrations available through Finch with Remodel Health.
Yes. Zorro offers integration with the majority of payroll providers.
Does the platform provide HRA/ICHRA solutions for different employer sizes?
Yes. Remodel Health’s PeopleKeep product is best suited for small to mid-sized businesses enrolling in a health benefit for the first time. Remodel Health’s ICHRA+® administration solution is best suited for applicable large employers (ALEs) transitioning from group coverage or expanding their business. Through PeopleKeep, Remodel also supports QSEHRA and GCHRA administration.
Yes.
Does the company host industry events or provide educational leadership?
Yes. Remodel Health hosts the annual AIM ICHRA Conference in Indianapolis, the nation’s leading ICHRA event. They are also a member of the HRA Council.
No. Zorro publishes guides, blogs, and resources, and participates in industry partnerships, but doesn’t host any proprietary events. They are also a member of the HRA Council.
What data security standards or certifications does the company hold?
Remodel Health is HIPAA, HITRUST, SOC1, and SOC 2 Type II certified.
Zorro is SOC 2 Type II and HIPAA certified.
What is the standard pricing model?
For ICHRA+, there's a variable PEPM, including variable broker compensation. For small businesses with PeopleKeep, Remodel Health’s PeopleKeep ICHRA for new-to-benefits groups is also available at $25 PEPM plus a $50 monthly base fee.
Specific pricing details are available via a product demo and quote.
