Top ICHRA vendors for 2026

The individual coverage health reimbursement arrangement (ICHRA) is becoming more popular as a flexible and cost-effective alternative to traditional group health coverage. According to the HRA Council, ICHRA adoption grew 34% among large employers between 2024 and 2025¹. Now more than ever, choosing the right vendor is crucial. 

HR professionals, brokers, and employers need ICHRA partners who can do more than offer user-friendly software. They need vendors with robust technology, hands-on support, and a reliable team to ensure a seamless ICHRA experience from start to finish.

In this article, we’ve compiled the top ICHRA vendors for 2026, comparing key features and overall value to help you choose the right benefit management strategy for your company.

In this blog post, you’ll learn:

• How an ICHRA works for both employers and employees.
• What sets the top ICHRA vendors apart with side-by-side insights into each company’s history, features, and strengths.
• How to choose the right partner so your business stays compliant, controls costs, and keeps your employees satisfied.

How does the ICHRA work?

An ICHRA is an employer-sponsored health benefit and a flexible alternative to group health insurance. Rather than buying a single group health plan for an entire workforce, the ICHRA allows businesses of all sizes and industries to set a monthly, tax-free allowance that employees use to buy their own individual health insurance.

Here’s a quick four-step guide to how the ICHRA works: 

1. Employers decide how much tax-free money to provide their W-2 employees each month. There’s no annual cap, and they can adjust contribution amounts when it’s time to renew their plan. Employers can also vary eligibility rules and allowance amounts by job-based employee classes, age, or family size.
   1. Applicable large employers (ALEs) can use the ICHRA to meet the Affordable Care Act’s employer mandate. However, they must provide an affordable allowance and offer the benefit to at least 95% of their full-time employees and their dependents.
2. Employees shop for and enroll in a qualified individual health insurance plan that provides minimum essential coverage (MEC) to use the ICHRA benefit.
   1. Depending on the plan design, an ICHRA can also support employees’ spouses and qualified dependents as long as they have eligible health coverage. 
3. Employees pay for their health insurance premiums with their monthly contribution. 
4. The benefit also has tax advantages. ICHRA contributions are free from payroll taxes for employers and income-tax-free for their staff. 

For more details on how the ICHRA works, check out our blog.

The top six ICHRA vendors for 2026

As ICHRAs continue to rise in popularity, selecting the right vendor is a decision that employers and brokers must handle carefully. The right partner ensures compliance, simplifies ICHRA administration, and gives employees the tools they need to navigate the individual health insurance market with ease. 

To help you get started on your research, below is a list of the six leading ICHRA vendors for 2026.

1. Remodel Health

Founded in 2015 in Indianapolis, Remodel Health supports brokers and businesses of all sizes and industries as they transition from group health plans to personalized ICHRAs. Since its inception, Remodel Health’s mission has been to help employers offer their staff more meaningful health benefits with greater affordability and stability than traditional methods.

In 2024, the company acquired PeopleKeep, the successor of the early HRA pioneer Zane Benefits, allowing it to offer easy-to-use, automated HRA software to small and mid-sized employers alongside its already growing enterprise audience. Later that year, the company received more than $100 million in funding from Oak HC/FT. This enabled it to enhance its technology, expand its reach, and grow its team to support more ICHRA adopters nationwide. 

With its blend of white-glove service, advanced software, and an experienced team of more than 200 staff members, Remodel Health has become a market leader with its ICHRA+® administration solution.

Highlights of Remodel Health:

• A full-service team and all-in-one innovative benefits platform with employer dashboards, plan setup tools, and payroll and HRIS integrations.
• With Remodel Health’s PeopleKeep product, small to midsize business owners who are new to health benefits can access a simple tech-focused ICHRA solution and receive automated HRA administrative support.
  • For companies transitioning from traditional group coverage to an ICHRA, Remodel Health’s ICHRA+ solution is ideal for ALEs that require additional support. Our experience partnering with larger businesses across the nation, many of which employ over 250 workers, guarantees expert guidance, compliance assurance, and overall satisfaction.
• Remodel Health hosts the nation’s premier ICHRA conference annually in Indianapolis, IN. The AIM conference showcases their dedication to innovation, education, and development as they explore emerging trends and updates in the ICHRA and health benefits space.
• Dedicated launch coordinators provide employers and employees with personalized guidance during the benefit implementation process. The team also offers various onboarding resources, including virtual and in-person education sessions, as well as guides and other assets.
• Licensed benefits advisors are available to assist employees with comparing individual health plans and enrolling in a new policy. Employees who are eligible for Medicare can also receive help from in-house enrollment specialists.
• Remodel Health’s AutoPay system has an accuracy rate of more than 99% processing employees’ insurance premium payments with overdraft protection through FDIC-insured accounts.
• Remodel Health creates required employee notices and legal plan documents. They also provide guidance on tax reporting requirements (such as 1094 and 1095 reporting) and ensure that records are kept safe and secure.
• A year-round customer success team provides proactive compliance check-ins, troubleshooting, and benefit renewal support.
• Remodel Health is HIPAA, HITRUST, and SOC Type 2 certified.

2. Zizzl Health

Based in Milwaukee, Zizzl entered the health benefit space in 2016, focusing on small and mid-sized businesses seeking greater cost control and employee choice². After initial seed funding in 2020, Zizzl launched its ICHRA product, making it easier for employers with fewer than 100 employees to offer budget-based health benefits. 

Continuing to grow its reach and support more employers, Zizzl raised $3.16 million in funding in 2023 and became the first vendor to adopt LIMRA Data Exchange Standards (LDEx)³.

Highlights of Zizzl Health:

• A simple ICHRA platform with easy-to-use operations and a reputation for affordability and innovation.
• Employer dashboards with compliance monitoring and employee plan selection tools tied to budget caps.
• Budget-friendly approach designed for small and cost-sensitive employers.
• Personalized account management and consultative support for small to mid-sized businesses.
• Education resources to help employees and employers understand qualifying health insurance plans and ICHRA rules.
• Integration with reimbursement processes and proof-of-coverage requirements.

3. SureCo

In 2025, SureCo raised $23 million in Series A funding to expand its platform and better support large organizations with 200 or more employees. SureCo was founded in 2016 in Santa Ana, California⁴. But when ICHRA regulations took effect in 2020, they branched into the ICHRA benefits space by acquiring technology and experienced staff from Hixme, an early player in individual health insurance market solutions. Soon after, the company quickly positioned itself as a tech-driven ICHRA administrator for mid-sized and large employers. 

Highlights of SureCo:

• An easy-to-use employee enrollment platform and marketplace with health insurance plan comparison across major carriers.
• Direct carrier payment options, contribution modeling, and advanced reporting tools.
• Implementation support, including HR communication and employee education.
• Customer service with compliance guidance that focuses on broker and consultant partnerships.
• Technology-based platform with HRIS/payroll and ancillary integrations, as well as employee class structuring.
• A scalable benefits platform designed for employers with over 200 employees.

4. Take Command

Dallas-based Take Command was one of the first vendors to launch ICHRA administration following the federal government’s approval of the new ICHRA regulations in 2020⁵. Now, they support more than 5,000 employers across all 50 states. Known for its compliance expertise and nationwide reach, Take Command serves small businesses as well as larger organizations looking to offer modern and personalized health benefits. 

In 2023, the company raised $25 million to expand its services. In 2024, Take Command partnered with Ambetter Health to create a subsidy incentive program⁶.

Highlights of Take Command:

• End-to-end ICHRA administration offering support with design, contribution modeling, compliance safeguards, reimbursement tracking and payments, and renewals.
• Employee shopping and comparison tools with strong compliance oversight of ACA, IRS, and state regulations.
• Supports benefits plan design using employee classes, waiting periods, and variable employer contribution structures.
• In-house enrollment specialists and dedicated HR and broker support.
• Recognized for broker-friendly services and transition support from group health insurance to an ICHRA.
• Large, nationwide client base.

5. Venteur

Based in San Francisco, Venteur has brought AI-driven decision support to the ICHRA market since 2021⁷. With more than $27 million raised through seed funding in 2023 and Series A funding in 2025, the company focuses on helping employees select health plans optimized for both cost and long-term outcomes. Venteur’s digital wallet and flexible insurance premium payment options make it a good choice for employers seeking an innovative, tech-forward health benefit.

Highlights of Venteur:

• AI-powered plan recommendations using decades of medical claims data.
• Employee digital wallet with “PremiumPay” direct billing or self-pay reimbursement options.
• Transparent pricing and cost-optimization tools to track contributions vs. expenses.
• Dedicated employer success teams and advisor/broker partnerships.
• Modern user interface designed for employee empowerment and data-driven health plan selection.
• Publicly reported savings for employers average between 20% and 30%.

6. Thatch

Founded in 2021 in San Francisco, Thatch is a fast-growing startup that simplifies health benefits with a user-first platform⁸. Supported by $38 million in Series A funding from Index Ventures and General Catalyst in 2024, Thatch aims to detach health benefits from employment for all workers. Its ICHRA benefits software platform design emphasizes speed, simplicity, and usability for HR teams and employees.

Highlights of Thatch:

• Intuitive dashboards for real-time budgeting, plan selection, and reimbursement automation.
• Compliance support tools and streamlined onboarding designed for HR and employees.
• Debit card functionality for healthcare expenses beyond premiums, if the employer designs the benefit to allow it. 
• Fast implementation with scenario comparisons and personalization for staff members.
• Broker-friendly approach with employer and employee onboarding support.
• Strong product development and rapid expansion as a modern ICHRA benefit solution.

Conclusion

The right ICHRA vendor makes all the difference if you’re looking for a smooth rollout, no compliance hiccups, and high benefit utilization. The top providers for 2026 all stand out for their technology, service, and reliability. But the best one for you will be the one that aligns with your company’s unique needs and goals. 

If you’re looking for a dedicated support team, intuitive technology, and a full-service ICHRA solution, Remodel Health has got you covered. As your trusted partner, you can rely on us to help you modernize your health benefits in 2026 and for years to come. Ready to get started? Chat with us today!

1. Growth Trends for ICHRA & QSEHRA 2024-2025
2. Zizzl Health
3. Zizzl Health breaks new ground as an ICHRA pioneer for LIMRA Data Exchange Standards (LDEx)
4. SureCo
5. Take Command
6. Ambetter Health and Take Command Announce Partnership to Offer Indiana Employers Access to Individual Coverage Health Reimbursement Arrangements
7. Venteur
8. Thatch