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

“If you really understand the benefit, you can see how it’s a good idea. For me, a GCHRA makes a lot of sense for my business.”

How a GCHRA helps businesses supplement their benefits

Control costs

Employers can set their own reimbursement allowance for employees to use each month toward out-of-pocket expenses, supplementing their group health plan.

Recruit top talent

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

Customize your plan

Set unique rules for minimum deductibles, cost-sharing, and an explanation of benefits (EOB) to further control your costs.

Employee savings

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

What makes a GCHRA with PeopleKeep different

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.

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.

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.

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.

PeopleKeep's GCHRA by the numbers

Join thousands of others who use PeopleKeep to administer their GHCRA


GCHRA reimbursement dollars processed


Expenses reviewed


Active users on GCHRA

Service the way it should be

As a small or medium size business owner, we know you wear a lot of hats. That’s why at PeopleKeep, our software is simple to administer and our award-winning customer service team is available at the click of a button. Whether it’s filling out legal documents, reviewing reimbursement requests, or navigating tax requirements, we’re here to guide you every step of the way.

Maybe that’s why we have hundreds of five-star reviews on Google, Capterra, and G2. Or maybe it’s because our customers 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.


How to sign up

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 GCHRA 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


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.

Step 2
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.


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.

Step 4

Offering personalized benefits is possible with PeopleKeep

Skip the expensive group premiums and annual rate hikes that come with group health insurance plans and implement a cost-controlled, budget-friendly benefit.
Fill out the form to get access to an on-demand GHCRA demo.

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 their organization. 

Ready to upgrade your health benefit without a hassle?

Learn how PeopleKeep can help you better care for your team through enhanced health benefits. Schedule a live demo or connect with us to access a personalized quote.