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 (HRA) that’s specifically designed for employers like you.

With the group coverage HRA (GCHRA), also known as an integrated HRA, employers can offer both group health insurance and an HRA together to cover costs not fully covered by the group health insurance plan. For example, you can use a GCHRA to help employees pay for deductibles and other out-of-pocket expenses.

“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 group plan

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

Our responsive, U.S.-based customer support team and free help center articles are there for you and your employees anytime you need us. We've won five-consecutive Stevie Awards for our customer support.

A legacy of excellence

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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 a GCHRA with PeopleKeep works


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 to set up your legal plan documents, which are part of what makes your GCHRA plan compliant with 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.

  • Choose a benefit start date
  • Choose whether to offer a full annual allowance up-front or monthly allowances
  • Restrict reimbursement categories
  • Differ eligibility and allowances with employee classes
  • Choose whether to require an explanation of benefits (EOB) from the insurance company
  • Enable optional features like having employees meet a deductible or pay a percentage of eligible expenses

Add your people and launch your benefit

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 to be eligible for a GCHRA allowance.

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!


Employees make eligible purchases and submit reimbursement requests

Your eligible employees who opt-in to the benefits purchase healthcare items and services out-of-pocket. They can then submit those expenses along with documentation, like a receipt, with the software. PeopleKeep's expert team will review your employees' reimbursement requests for IRS compliance.


Reimburse employees

Once we verify your employees' reimbursement requests, you can reimburse them through payroll or by cash or check.

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?

All W-2 business owners can participate in a GCHRA. S corporation owners and shareholders with more than 2% ownership in their organization, partnership owners, and sole proprietors can't participate in an HRA. Partners and sole proprietors can participate as a spouse if their spouse is a W-2 employee of the company and not an owner.
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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.