Most companies qualify


The majority of businesses qualify for either the ICHRA or the QSEHRA. Some small businesses even qualify for both and must choose between the two.


Not sure which is right for your company?





Your company is qualified to offer a QSEHRA through PeopleKeep if:

  • Your company has at least one W-2 employee, AND
  • Your company had fewer than 50 employees last year, or your company had 50 or more employees last year but is not an applicable large employer (ALE), AND
  • Your company doesn't offer group health, dental, or vision insurance.

If your company is part of a “controlled group” then these restrictions apply to the group as a whole. Your company might be in this situation if it is a parent/subsidiary or if it shares common ownership between companies. The full list of conditions is defined in Internal Revenue Code section 414(b), (c), (m), and (o).


  • Hatch Analytics has 10 full-time employees and 4 part-time employees. It is owned and operated by the CEO, Katie Hatch. Hatch Analytics qualifies for a PeopleKeep QSEHRA.
  • The Rosen Group downsized to 40 full-time employees in March from 53 full-time employees in December. Because it had 50 full-time employees last year, The Rosen Group is an ALE and isn't qualified for a PeopleKeep QSEHRA.
  • Parker's Chocolates has 12 full-time employees and 20 part-time employees. It offers a group health plan, but plans to cancel it in December. Because Parker's Chocolates will no longer have group health insurance, it is qualified to offer a PeopleKeep QSEHRA in January.
  • The Yogah Company has 20 employees. It is one of several subsidiaries of The Wright Company. Another Wright Company subsidiary, Wren Partners, offers group health insurance. The Yogah Company doesn't qualify for a PeopleKeep QSEHRA because another company in the controlled group offers group health insurance.






Your company is qualified to offer an ICHRA through PeopleKeep if:

  • Your company has at least one W-2 employee

ICHRAs are operated at the common law employer level rather than the "controlled group" level, so these restrictions apply only to the company offering the ICHRA and not to the group as a whole.


  • Beaustar Corp. has 150 full-time employees and 100 part-time employees. It offers group health insurance, but plans to cancel at the end of the year. At the beginning of the calendar year, Beaustar Corp. will qualify to offer the PeopleKeep ICHRA.
  • Merrill Chiropractic has eight full-time employees and five part-time employees. They offer a group health insurance plan to their full time employees. Because they aren't offering the same group of people an ICHRA and the group health insurance plan, Merrill Chiropractic can offer part-time employees the PeopleKeep ICHRA.
  • Annie Fields is a sole proprietor without any W-2 employees. She cannot offer a PeopleKeep ICHRA.
  • The Bennett Veterinary Clinic employs 14 full-time workers and two part-time workers. It has never offered group health insurance. It is qualified to offer an ICHRA through PeopleKeep.
"Very clean, efficient way to reimburse insurance premiums."

Carl Hart

Owner, Hart Building and Roofing Supplies

"SOO Easy! Customer service is supreme!"

Tina Straw

Community Manager, Flux7 Labs

"For a small nonprofit like ourselves, this gives us a way to offer a health benefit without having to administer a group plan - which is beyond our budget. Our employees feel appreciated - this is a win-win!"

Julie McGuinness

Administrative Director, Tamalpa Institute

"It is super easy to use and I can check the status of my reimbursement. I also love how I get an email with updates. Thank you!"

Cassandra Thomas

Customer Service Representative, Milkbarn

"Super convenient. The one time I had to contact a customer service rep, they responded quickly, answered my questions, and followed up to make sure I had everything I needed."

Kimberly Bergstrom

Executive Director, AC Portland

"You have the best customer service!"

Tamara Martin

Publishing & Distribution Coordinator, Oasis International Limited

"I contact the PeopleKeep team OFTEN and even though some of my inquiries can be found on the portal, PeopleKeep always answers my questions in a timely manner and assists me as to where I can find more information as needed...Great team!"

Daniel Henderson

Technician, Infinity Building Solutions

"PeopleKeep is a very simple process with quick responses / approvals."

Angela Dodd

Production Manager, Keynote Technologies

"The customer service I received via chat was so helpful!"

Nora Ross

RN, Infusion Express

"It was so easy to get everything setup. The emails that PeopleKeep sends are helpful to make sure I know what's going on."

Kristen Mardis

Install Specialist, 4PatientCare

"PeopleKeep is very easy to use. Your team is very quick and responsive."

Alexander Curtis

Outreach & Engagement, Mimir Corporation

"I have already recommended PeopleKeep to other organizations."

Kathleen Wilson

Director of Operations, Round River Conservation Studies

"PeopleKeep is very easy to follow and very user friendly."

Manuel Lorenzo

Sales Trainer, CRM Backstop

"When I have questions, the PeopleKeep staff is always prompt and professional."

Wendy White

Executive Director, ATC Healthcare

"PeopleKeep was extremely easy to set up, and a great alternative to a traditional healthcare plan for a small company like ours."

Alexander Libby

CEO, ProductionPro Technologies

"PeopleKeep is easy for me to use and easy for my employees to use."

Jamy Earnest

Office Manager, Peak Activity

"PeopleKeep consistently provides stellar customer service to Human Resources, as well as our employees."

Cheryl Bach

HR Consultant, FS Consulting

"I appreciate the ease of PeopleKeep and I am glad that my company is helping me with my healthcare costs."

Molly McFall

Customer Success Hero, 4PatientCare

"PeopleKeep is convenient and easy."

Jon Hinkson

Ministry Director, Rivendell Institute

"PeopleKeep has been great for our organization and staff members."

Joel Mackey

Executive Director, West Contra Costa Public Education Fund