PeopleKeep
HRA administration software that lets small employers offer tax-free health benefits
By PeopleKeep · 4.0/5 verified-buyer score
Positioning guardrails
Best for
- Small employers under 50 FTE that want a QSEHRA instead of group health insurance
- Applicable large employers that need an ACA-compliant CHOICE Arrangement (ICHRA)
- Employers that already offer group coverage and want a GCHRA for deductibles and copays
- Nonprofits with tight budgets and no minimum participation requirements
- Brokers and agents who want to keep the agent of record and earn commissions
Ideal size: 3–200 employees people · Small employer offering benefits for the first time or replacing group coverage
Not for
- Companies that need a fully insured group health plan administered end to end
- Enterprises looking for a global benefits or HRIS suite with payroll built in
- Employers with fewer than three enrolled employees (three-seat minimum billing)
- Buyers who require documented SOC 2, ISO 27001 or FedRAMP certification before purchase
Value metrics scorecard
Time-to-Value
Same day (setup takes minutes)
~1 days to first production value
Total Cost of Ownership
$8,100/yr
Starts at $792 · Per-employee monthly seat fee plus monthly base fee. GCHRA $12/employee/mo + $30 base; QSEHRA and ICHRA $25/employee/mo + $50 base. Minimum three paid seats.
Implementation Friction
2/5
Engineering + admin effort required
Buyer Score
out of 5 · verified buyers
Full cost breakdown
Mandatory implementation fee
None
Seat tiers
Minimum of three seats; account administrators are also billed a seat
Add-on costs
- One-time setup fee charged at initial purchase (amount quoted by sales)
Company & support
Who is behind PeopleKeep, and how your team gets help once it is live.
Company
- Founded
- Not recorded
- Headquarters
- Not recorded
How you get support
- PhoneAll plans
- EmailAll plans
- Live chatAll plans
- Support portal / ticketsNot listed
- Community forumNot listed
- Help centre / docsAll plans
- Dedicated account managerNot listed
- In person / on-siteNot listed
- Hours
- Not recorded
- Response time
- Not stated
U.S.-based support team; customers can chat, email or schedule a call with support, and free help-centre articles are available to employers and employees.
“Not listed” means the vendor’s public pages don’t mention that channel, not that it is unavailable. Ask about it during evaluation.
Market position
Where PeopleKeep sits against its closest alternatives. Pick any two of cost, speed, friction and buyer score, and up to 9 companies to compare.
Quadrant view
Typical annual cost × Time-to-value
The lines cross at the median of the solutions shown, so about half sit on each side of each line.
Companies on the chart 6 / 10
- PeopleKeep
- Lob
- SurePayroll
- monday.com
- OptimoRoute
- Planday
Add or change companies
Up to 10 companies including PeopleKeep. Listed closest first.
Stack fit signal
Compatibility with standard B2B ecosystems.
No supported MCP path today, so it cannot be driven from an AI client.
AI & MCP readiness
What PeopleKeep ships in AI, and what it asks of your ecosystem.
Compliance attestations
* IAPP AIGP certifies individuals, not products. It means named staff hold the credential — not that the platform does.
Bottom line
PeopleKeep is HRA administration software from Remodel Health that lets employers design, launch and manage health reimbursement arrangements (QSEHRA, ICHRA/CHOICE and GCHRA) in minutes a month. Employers set allowance budgets, the platform generates legal plan documents, and employees shop for coverage, submit expenses and receive tax-free reimbursements. Claims are reviewed in-house for IRS compliance. Pricing runs $12–$25 per employee per month with a $30–$50 monthly base fee and a three-seat minimum.
Frequently asked questions
How much does PeopleKeep cost?
QSEHRA and ICHRA are $25 per employee per month plus a $50 monthly base fee; GCHRA is $12 per employee per month plus a $30 monthly base fee. A minimum of three seats is billed even if you employ fewer people, and account administrators also count as seats. An annual subscription carries a discount, a one-time setup fee applies when you first purchase, and annual contracts are not prorated if cancelled mid-year.
Which HRAs can PeopleKeep administer?
Three types: the QSEHRA for employers with fewer than 50 full-time equivalent employees who cannot offer a group health plan; the CHOICE Arrangement (formerly ICHRA) for organisations of any size, including applicable large employers, that reimburse individual health insurance; and the GCHRA, which supplements an existing group plan by reimbursing out-of-pocket costs such as deductibles and copayments.
How long does it take to get an HRA running?
PeopleKeep positions setup as taking minutes: you design the benefit, define allowances and eligibility, and the platform generates plan documents and issues employee invitations. Employees then submit expenses, which PeopleKeep reviews for IRS compliance before you reimburse them. Expect about a day to first value if you already know your budget and eligibility rules.
Does PeopleKeep handle IRS and HIPAA compliance for us?
PeopleKeep generates legal plan documents and a summary plan description immediately after signup, and trained specialists review every submitted document and reimbursement request for IRS and HIPAA compliance. The vendor states its software and documentation review process are HIPAA privacy compliant. Buyers should note that no independent security certification such as SOC 2 or ISO 27001 is published on the pages reviewed.
Who can participate in the arrangement?
Almost all business owners can participate in a QSEHRA, except S-Corporation owners with more than 2% ownership, according to PeopleKeep's owner-eligibility guidance. Employers define eligibility, waiting periods, allowance amounts by family status and which expenses qualify. There are no minimum contribution amounts or minimum participation requirements, so part-time employees can be excluded or included as you choose.
What support do employers and employees get?
A U.S.-based support team is reachable by chat, email or a scheduled call, and free help-centre articles are available. Employees get assistance from in-house enrolment specialists when shopping for coverage, and small employers with a QSEHRA or ICHRA can use integrated plan shopping inside the platform. A named account manager and on-site implementation are not advertised on the reviewed pages.