ICHRA Administration Software

PeopleKeep’s individual coverage health reimbursement arrangement (ICHRA) administration software empowers employees to choose the health coverage that best meets their individual needs, while giving you more control over costs without the administrative burdens of traditional group health insurance.

Step 4

Need a budget-friendly benefit that satisfies the employer mandate?

For many employers, offering a traditional group health insurance plan doesn’t work because it’s too expensive, too complex, and too one-size-fits all to meet their needs. An individual coverage health reimbursement arrangement (ICHRA) can be a great alternative.

An ICHRA is a formal group health benefit that organizations of all sizes can use to reimburse their employees, tax-free, for individual health insurance premiums and other healthcare expenses. Whether you use it as a stand-alone benefit or as a separate option for employees who don't qualify for an existing  group health insurance plan, an ICHRA can satisfy the employer mandate for applicable large employers (ALEs).

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

“It’s such a lovely thing not to have to worry about [our ICHRA]. PeopleKeep handles the legal stuff—I didn’t have to do it at all. I’m used to having to do everything from scratch.”

How an ICHRA helps employers offer a health benefit

Controlled costs

Since you can define a set health benefit allowance for each employee, you have greater control over your health benefits budget. This reduces the risk of unexpected expenses.

Simplified administration

With an ICHRA, you won't be responsible for choosing and managing a group plan. You will also avoid annual rate hikes and minimum participation requirements.


ICRHAs give your employees the power to choose the health policies that best meets their individual needs, giving them more control over their health care.

What makes an ICHRA with PeopleKeep different

ICHRA icons_Customize your plan

Completely customizable

From setting up employee classes to choosing what expenses you want to reimburse (only insurance premiums or also out-of-pocket expenses) you have complete control when it comes to designing your benefit.

ICHRA icons_Completely customizable

Easy-to-use dashboards

Administering an ICHRA 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.

ICHRA icons_Automated legal documents

Automated legal documents

By signing up for an ICHRA 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.

ICHRA icons_Award-winning customer support

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 by the numbers

Join thousands of others who use PeopleKeep to administer their ICHRA


Reimbursement dollars processed


Expenses reviewed


Active users

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.

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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 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


Design your ICHRA 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 whether or not you’d like to reimburse employees for qualifying out-of-pocket expenses in addition to their insurance premiums.

PeopleKeep's software supports eight employee classes:

  • Full-time 
  • Part-time 
  • Seasonal 
  • Salaried 
  • Non-salaried 
  • Employees in a different state 
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Step 3

Add your people

Next, you’ll add the names and emails of each of the employees you want to participate in your ICHRA benefit. With an ICHRA, employees can choose whether they want to opt in or out of their ICHRA benefit depending on whether their allowance is considered affordable, and if they qualify for premium tax credits.

Employees can use our interactive tool to decide whether opting in or out is best for them


Launch your ICHRA benefit

When you’re ready, the last step is for you to sign your benefit documentation to officially launch your ICHRA. 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 ICHRA 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 an ICHRA, except for S-Corporation owners with more than 2% ownership in the organization. See our chart on owner eligibility with an ICHRA.
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Interested in setting up an ICHRA?

Start building an ICHRA online or speak with a PeopleKeep personalized benefits advisor who can answer any questions you have and guide you toward building your perfect benefit.