GCHRA Administration Software

PeopleKeep’s group coverage health reimbursement arrangement administration software can help your employees with expenses that aren’t fully paid for by the group plan

Looking to supplement your group health insurance plan?

If you offer a traditional group health insurance plan to your employees, or hope to in the future, there’s a special type of health reimbursement arrangement that’s specifically designed for employers like you. With the group coverage HRA (GCHRA), employers can offer both group health insurance and an HRA together to cover the costs not fully covered by the group health insurance plan. You can use a GCHRA to help employees pay for deductibles and other out-of-pocket expenses, just as one example of the usefulness of this type of HRA.

Short on time? Get a summary in our quick GCHRA guide

“By paying extra for a GCHRA to supplement our group health insurance plan, we ended up with a much better benefits package.”

Tom Sagi
Co-founder and CEO, Hourly, Inc.

Read about Tom’s experience with his GCHRA

How a GCHRA helps businesses supplement their benefits

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Control costs

Using a GCHRA, employers are able to set their own reimbursement allowance for employees to use each month toward out-of-pocket expenses, further supplementing their group health plan.

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Recruit top talent

Offering a GCHRA helps make your group health insurance plan even more attractive. Aside from salary, health benefits are the top consideration applicants make before accepting a job offer.

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Customize your plan

With a GCHRA, employers are able to set unique rules for minimum deductibles, cost sharing, and an explanation of benefits (EOB) to further control costs.

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Employee savings

Employees can use their GCHRA as a supplement to pay for the costs they need to pay out of pocket before meeting their deductible, or to pay for the things the group plan doesn’t fully cover.

What makes a GCHRA with PeopleKeep different

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Completely customizable

From setting up employee classes to choosing how much you want to reimburse each month, your GCHRA is completely customizable to how it will work best for you and your employees.

See How to Set Up a GCHRA

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Easy-to-use dashboards

Administering a GCHRA with PeopleKeep only takes a few minutes every month, thanks to our easy-to-use dashboards. You can see who’s using the benefit, check reimbursement deadlines, and even reimburse employees through payroll.

Get to Know Our Software

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Automated legal documents

By signing up for a GCHRA with PeopleKeep, we automatically generate all the legal plan documents you need. We’ll even keep tabs on your benefit to make sure it stays compliant with IRS, HIPAA, and ERISA regulations.

Learn About Plan Documents

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Award-winning customer support

Whether it’s by phone, email, or live chat, our responsive, U.S.-based customer support team and free help articles are there for you and your employees anytime you need us.

Visit Our Help Center

PeopleKeep by the numbers

Join hundreds of others who use PeopleKeep to administer their GCHRA


Reimbursement dollars processed


Expenses Reviewed


Active Users

Service the way it should be

At PeopleKeep, we know that every organization is unique, which is why our software makes customizing your ICHRA simple and stress-free. From offering your employees different allowance amounts based on their employee class to choosing between reimbursing employees for only their insurance premiums or also their qualifying medical expenses, your ICHRA benefit will be completely tailored to your needs.

Maybe that’s why we have hundreds of five-star reviews on Google, Capterra, and G2. Or maybe it’s because they love how intuitive and simple our software is to use. Either way, our team handles the administrative and compliance burden so you can focus on running your organization.

See what our customers have to say on Google, Capterra, and G2.

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How to sign up

Step 1

Step 1: Create a PeopleKeep account

To get started, you’ll create a PeopleKeep account for your organization. Here you’ll fill in basic information about your organization, like the address, phone number, and tax-filing status.

We use the information you enter in this setup process to instantly set up your legal plan documents, which are part of what makes your ICHRA plan compliant with all applicable federal regulations.

You’ll also include some basic contact information about you. As the benefits administrator, you’ll be able to add and manage benefits, users, and billing information. You’re welcome to add more admins later to help manage your account.

Learn who can serve as an HRA administrator

Step 2: Design your GCHRA benefit

Now you’re ready to design your benefit so it’s tailored to you and your employees’ needs. This step includes choosing a monthly allowance amount, deciding if you want employees with different family statuses or classes to receive different allowance amounts, and choosing when you want your benefit to start.

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Step 3

Step 3:  Add your people

Next, you’ll add the names and emails of each of the employees you want to participate in your GCHRA benefit. With a GCHRA, employees must also be participating in your group health insurance plan in order to be eligible for a GCHRA allowance.

Step 4: Launch your GCHRA benefit

When you’re ready, the last step is for you to sign your benefit documentation to officially launch your GCHRA. Once it’s signed, we’ll automatically invite your employees to start using it on the start date you chose!

Set up a live consultation with a benefits advisor to start the ICHRA setup process for your organization today

Step 4

Offering benefits on a budget is possible with PeopleKeep

Get ready to implement a cost-controlled, budget-friendly benefit without the hassle.


Group Coverage HRA

A tax-free tool to supplement your group health insurance plan.



Per month
Per employee


Per month
base fee

$150 one time set-up fee

All employees in your designated classes are included in the per-employee fee


  • Employee size: No limit
  • Employee coverage: Group policy
  • Group policy status: Must be offered

Frequently Asked Questions

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 the organization. See our chart on owner eligibility with an ICHRA.

Ready to get started?

Speak with a PeopleKeep personalized benefits advisor who can help answer questions, set up your account, and guide you through the beginning stages of your new benefit.

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