Get your copy of the 2026 National ICHRA Report
PeopleKeep and Remodel Health release the 2026 National ICHRA Report, examining how customers use the ICHRA.
Get what small and midsize businesses need to know about ICHRA in 2026 and beyond.
Learn more about the report below and download the full report.
Download the report
See a sample of the data included in the 2026 ICHRA Report
Remodel Health presents this comprehensive report on the widespread adoption of the individual coverage health reimbursement arrangement (ICHRA) across various industries and states. With customer data from PeopleKeep and Remodel Health's ICHRA+ platforms, this report highlights ICHRA's growth and unique ability to adapt to the unique needs of businesses in diverse sectors.
For small and midsize organizations considering PeopleKeep for ICHRA administration, the report provides details on how the ICHRA offers more choice for employees and budget control for employers. With it, organizations of all sizes can offer a defined monthly contribution for employees to spend on the individual health insurance plans and qualifying out-of-pocket medical expenses of their choosing.
Whether it's a small business offering health coverage for the first time or large employers seeking seeking cost effective ways to provide bespoke benefits packages, ICHRA empowers employers to provide tailored benefits to meet their workforce's needs.
The 2026 report includes:
The state of ICHRA in 2026
Who uses ICHRA?
ICHRA contributions
Employee plan choice on the individual market
ICHRA plan design
The challenges ahead
ICHRA by the numbers in 2026
An analysis of ICHRA data from Remodel Health's ICHRA+ and PeopleKeep customers found the following, customized for the PeopleKeep small business and new-to-benefits audience:
71% increase in new-to-coverage groups
PeopleKeep saw a 71% increase in new-to-coverage small businesses adopting ICHRA in Q1 2026 compared to Q1 2025, driven by the expiration of enhanced premium tax credits and rising small group rates.
31% of employees chose a Gold-level plan for 2026
Roughly a third of Remodel Health customers chose a Gold individual plan for 2026, showing that employees don't always choose the cheapest option. Instead, they evaluate their individual needs, such as deductibles.
14 unique individual plans chosen on average per group
The average number of unique health insurance plans employees choose in aggregate within a single organization offering ICHRA, ranging from 1 to 534, compared to the single plan offered under traditional group health.
$583 average monthly ICHRA allowance for non-ALEs
The average monthly ICHRA contribution small businesses with at least 5 employees and fewer than 50 employees offered single employees in 2025, just below the $625 average benchmark premium for a 40-year-old on the ACA exchanges.
Want the details?
Download the full 2026 ICHRA Report.
PeopleKeep FAQs
The individual coverage HRA (ICHRA) is an employer-funded health benefit that allows employers to reimburse employees for individual health insurance premiums and qualifying out-of-pocket medical expenses.
Employers of all sizes can offer the benefit, and there are no minimum or maximum contribution limits.
PeopleKeep is Remodel Health's HRA administration product for small and midsize organizations. We help organizations set up and manage their health reimbursement arrangements (HRAs) with our innovative software and award-winning customer support. 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.
Since starting as Zane Benefits in 2006, we've been a leader in cloud-based HRA administration.
PeopleKeep releases an annual report on the qualified small employer HRA (QSEHRA). We also publish our Employee Benefits Survey Report. Remodel Health, PeopleKeep's parent company, publishes an annual ICHRA Report.
We provide software that allows organizations to offer health reimbursement arrangements (HRAs). 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.