ASO VS HRA

Looking for an ASO? Consider a (HRA) Instead for Greater Flexibility and Savings!

A Health Reimbursement Arrangement (HRA) offers employers greater cost control, tax benefits, and flexibility for employees to choose their own healthcare options.

Administrative Services Only (ASO) arrangements give you control; HRAs make benefits accessible and affordable for employees.

Fill out the form to book an appointment and speak with one of our HRA experts. 

Not sure if an HRA is right for you? Talk to an Expert.

What is a (HRA) Health Reimbursement Arrangement? 

Health Reimbursement Arrangements (HRAs) are employer-funded health benefit plans that reimburse employees for qualified medical expenses tax-free. HRAs provide flexibility in how employees use their healthcare funds, allowing them to manage their healthcare costs effectively while offering businesses greater control over expenditures.

KEY FEATURES

Why choose PeopleKeep? 

Award-winning support

Our responsive, U.S.-based customer support team is ready to help your team when you need us. We’ve won four consecutive Stevie Awards for our customer service!

Benefit personalization

You have complete control when designing your health or lifestyle benefit. Choose which expenses are eligible for reimbursement, define employee eligibility, and more.

Complete cost-control

Set custom allowance amounts that align with your budget. Say goodbye to unexpected rate hikes and welcome a more sustainable, budget-friendly approach to employee benefits.

How our software works

PeopleKeep simplifies employee benefits administration through an intuitive reimbursement model. Our user-friendly software allows companies to set up HRAs and stipends efficiently. It also gives employers more control over their budget while giving employees more flexibility over how to leverage their benefits.

 

Here’s a breakdown of how the process works:

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Step 1: Design your benefit & invite employees

Design your custom HRA or stipend benefit. Define your benefit start date, allowance amounts, eligibility criteria, and other aspects that align with your company’s policies and employee needs.
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Step 2: Employees make eligible purchases

Once invited and onboarded, employees can submit eligible health or lifestyle expenses for reimbursement. Our system ensures a smooth process for submitting and tracking expenses.
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Step 3: Approve expenses & reimburse employees

Once submitted expenses are verified and approved, you can proceed with reimbursement. You can reimburse your employees through payroll, check, cash, or bank transfer.
BENEFITS QUIZ

Not sure if QSEHRA is right for you?

Is a Health Reimbursement Arrangement (HRA) right for you? Speak to an advisor for personalized guidance today!

MEET AN ADVISOR
TESTIMONIALS

What Our Customers Say

We were sold on PeopleKeep because of your affordable pricing and great customer service. It fits within our budget and the product is clean, robust, and easy to use.

Stephen Goodrow

| Nobl Beverages

PeopleKeep is modern, accurate, compliant, and user-focused. The platform helps keep our records up-to-date. We just log on and it's all there.

Dawn Borgia

| Coastal Community Church of Virginia Beach

Working with PeopleKeep's customer service team through the chat function has been great and responses have been fast.

David Herzog

| Compuwave

The QSEHRA benefit saves me a ton of time as a CEO and that time savings is definitely worth many thousands of dollars per year.

Cody Candee

CEO | Bounce

I found the software very simple and very intuitive. the onboarding process took less than 30 minutes. 

Melissa Odotei

Executive Director | Family Promise of San Gabriel Valley

Without the cost savings we get with this option, we wouldn't be able to offer a health benefit.

Jeremy Trebas

Executive Controller | Great Falls Rescue Mission

 

Schedule a time to speak with an advisor.

Schedule time with a personalized benefits advisor who can answer questions and guide you toward the right benefits for your organization.
FAQ

Frequently Asked Questions

What is PeopleKeep?

PeopleKeep is a personalized benefits administration software company. We serve small and midsize employers across many industries ranging from nonprofits, to high tech, to engineering. Because our software is intuitive and can be managed in minutes per month, we make providing benefits more accessible to organizations that do not want to manage complex and tedious administrative tasks.

Visit our About Us page to learn more

What products does PeopleKeep offer?

We provide software that allows organizations to offer health reimbursement arrangements (HRAs) and employee stipends. Learn more about each of our products below: 

  • Qualified small employer HRA (QSEHRA): A simple, controlled-cost alternative to group health insurance for employers with 1-49 employees.
  • Individual coverage HRA (ICHRA): A flexible health benefit solution for employers of all sizes that can be used alone or alongside group health insurance.
  • Group coverage HRA (GCHRA): A group health supplement for employers already offering a group health insurance plan to help employees with out-of-pocket expenses.
  • WorkPerks: Reimbursable employee stipends that broaden employee benefits.

How much does a plan with PeopleKeep cost?

At PeopleKeep, we help you implement budget-friendly, compliant benefits without the hassle. Pricing will vary depending on which product you're interested in and how many employees you'll have enrolled in the benefit. 

Visit our pricing page to get an instant quote

What does PeopleKeep’s HRA software do?

PeopleKeep’s HRA software helps employers administer their own HRA in just minutes per month. It makes health benefits smooth, efficient, and meaningful to employees. A PeopleKeep HRA gives employers instant access to legal plan documents and award-winning customer support for themselves and their employees.

Watch a demo

Does PeopleKeep have hidden fees?

We don’t believe in hidden fees at PeopleKeep. The only charges that will show up on your invoices are the one-time setup fee when you first purchase a plan, the monthly base fee, and the monthly per-employee fee.
 

What payment methods does PeopleKeep accept?

We accept credit card and ACH payments.

Can business owners participate in a PeopleKeep HRA?

Almost all business owners can participate in a GCHRA, except for S-Corporation owners with more than 2% ownership in their organization. 

How do HRAs fit into an ASO arrangement?

HRAs complement ASO arrangements by allowing employers to reimburse employees for specific medical expenses on a tax-free basis. This lets employers avoid traditional health plan costs while still providing valuable healthcare support.

What expenses can HRAs cover in an ASO structure?

HRAs can be set up to cover a wide range of medical expenses, including doctor visits, prescription medications, and preventive care services. You have the flexibility to decide what works best for your employees.

How does an HRA help me control costs?

HRAs provide predictable, capped reimbursements that you set, helping you manage healthcare costs without the fluctuating expenses typical of traditional insurance. With HRAs, you only pay for the benefits that employees actually use.