Streamline health benefits administration across state lines

HRAs for multi-state teams

As an employer with employees in multiple states, you need health benefits that work across state borders without administrative headaches. With PeopleKeep by Remodel Health, you can easily build and manage a custom health benefits package that supports your employees no matter where they live.

If traditional group health insurance isn’t flexible enough to support your multi-state workers, don’t worry. A personalized health reimbursement arrangement (HRA) may be the perfect solution for offering your employees comprehensive coverage.

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Struggling with the complexity of health insurance for your distributed team?

About 22 million U.S. employees work fully remote. A company can have employees working across the country, which makes finding health benefit options that work for everyone particularly challenging. Plan types, network coverage, policy costs, and health insurance regulations vary by state. So what’s the solution for remote and hybrid companies?

Our innovative HRA administration software allows organizations of all sizes to offer benefits your multi-state workforce will value.

With PeopleKeep by Remodel Health, you can:

✓ Simplify benefits management with our easy-to-use HRA administration platform.

✓ Control your benefits budget by offering a defined contribution health plan.

✓ Reimburse remote and distributed employees for their individual health coverage and other out-of-pocket expenses.

✓ Offer a benefit that boosts morale, retention, and employee satisfaction, regardless of your team’s geographic location.

Why personalized health benefits are the best option for multi-state teams

Building and managing a benefits package that attracts and retains a geographically distributed team can frustrate employers or HR professionals. In addition to ensuring compliance with various state and local laws, you must find benefits that will work for each employee.

Many traditional group medical plans fail to meet the needs of a multi-state workforce. Not all health insurance companies have the same plan network in every state. Employees may have limited plan and provider options even if a health insurer offers multi-state plans.

For example, if your group insurer has a preferred pharmacy chain, but it isn’t available in some regions, employees may need to receive prescriptions in the mail. And depending on where employees live, the cost of coverage can be unaffordable.

With a personalized health benefit from Peoplekeep by Remodel Health, you can end the administrative headaches of traditional health insurance and better accommodate the needs of your distributed workforce. Remodel Health is the leader in HRA administration. We can help you build a better benefits package for your employees nationwide.

What is PeopleKeep?

PeopleKeep is Remodel Health's HRA administration software solution for small and midsize businesses. With PeopleKeep, small and midsize employers can offer flexible, budget-friendly health benefits without the hassle of traditional group medical insurance.

Launched initially as Zane Benefits in 2006, we’ve helped thousands of employers in all 50 states deliver personalized health benefits that work for their unique teams. Our mission is simple: empower organizations to care for their people with health benefits that are easy to administer and tailored to individual needs.

Whether you're looking to offer a health benefit for the first time or refresh your employee benefits package, PeopleKeep and Remodel Health have a customized solution.

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How does PeopleKeep work for multi-state companies?

If you’re looking for health benefits that better accommodate your team and are easier to manage, we can help. With our cutting-edge HRA administration platform, you can build a better health benefits package that supports your entire workforce.

Health benefits options for small businesses

At PeopleKeep, our easy-to-use software allows you to design and administer flexible and affordable HRAs.

Qualified small employer HRA (QSEHRA)

A powerful alternative to group health insurance coverage made specifically for small employers with fewer than 50 FTEs.

Qualified small employer HRA (QSEHRA)

Individual coverage HRA (ICHRA)

A benefit that enables employers to cover their employees’ individual health plan premiums and other qualified costs.

Individual coverage HRA (ICHRA)

Group coverage HRA (GCHRA)

A health benefit that pairs with group health insurance that allows employers to help employees pay for out-of-pocket medical expenses.

Group coverage HRA (GCHRA)

Testimonials

“Last year, we visited the Marketplace to compare other health benefit options, but our employees were adamant they wanted to stay with the QSEHRA. High employee satisfaction has kept us with PeopleKeep."

Sean Blunk

| Ximplifi

“The QSEHRA benefit has supported the needs of our remote and multi-state work environment very well.”

Janan Sirhan

| Impactual LLC

“I found the software very simple and very intuitive. The onboarding process took less than 30 minutes.”

Melissa Odotei

| Family Promise of San Gabriel Valley

Health reimbursement arrangements (HRAs) for multi-state employers

An HRA is a formal, employer-funded health benefit that allows you to reimburse your employees tax-free for qualifying expenses, such as individual health plan premiums and other out-of-pocket costs. You simply give your employees a set monthly allowance that they can use to buy medical services and items. Then, you reimburse them up to their allowance amount after they submit proof of an eligible healthcare expense.

The two types of HRAs that are alternatives to traditional group health insurance are the qualified small employer HRA (QSEHRA) and the individual coverage HRA (ICHRA). While they work similarly, they have some distinct differences.

The QSEHRA is for organizations with fewer than 50 full-time equivalent employees (FTEs), while an ICHRA is for companies of all sizes. An ICHRA also provides greater flexibility by allowing you to vary eligibility and allowances using job-based employee classes. If you have a multi-state workforce, a QSEHRA or ICHRA allows your employees to choose the best network of providers and health insurance policies in their area.

A GCHRA can only supplement a traditional group health plan. While it can’t reimburse insurance premiums, it can help your employees save money on their deductibles, copays, and other out-of-pocket costs.

Complete cost control

When you offer an HRA, you choose the allowance amounts that fit your benefits budget. Unlike group health insurance plans, HRAs have no minimum participation requirements or annual rate hikes.
Complete cost control

Tax-free reimbursements

HRA reimbursements are tax-deductible and free of payroll taxes for employers. Employees also don’t have to pay income taxes on reimbursements for medical care.
Tax-free reimbursements

Personalization and flexibility

Employers can choose which expenses are eligible for reimbursement, giving them complete control over benefit design. Employees can then select the healthcare providers and services available in their area.
Personalization and flexibility

Supports employees nationwide

Whether you have workers in a single office or nationwide, an HRA is your best bet for supporting all your employees equally.
Supports employees nationwide

Start offering an HRA to your employees in three easy steps

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Step 1: Customize your benefit & invite your team

Tailor your HRA to match your organization’s goals and employees’ diverse needs. Set monthly allowance amounts, define eligible expenses (premium-only or premiums plus out-of-pocket expenses), and send digital invitations to your staff.
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Step 2: Employees buy eligible medical care services and items

Your employees can purchase individual medical coverage. Once the benefit is active, they can buy other qualified medical expenses listed in IRS Publication 502 and the CARES Act. Then, they upload proof of purchase to our secure platform.
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Step 3: We review submissions, and you reimburse approved expenses

Once employees submit their documentation, our expert team reviews their submissions for eligibility and accuracy. If it’s a qualified expense, you can reimburse them through payroll, check, cash, or bank transfer.
Find out which HRA's are the best fit for your team.
HRA QUIZ

Find out which HRA's are the best fit for your team.

TAKE THE QUIZ

Why multi-state organizations choose PeopleKeep

Deep experience in personalized benefits

As pioneers in HRA administration with a nearly two-decade history of excellence, we’ve supported thousands of employers nationwide. Our tools ensure your benefit stays compliant and easy to manage, even across multiple state lines.

Streamlined multi-state administration

Our intuitive platform simplifies administration for multi-state businesses. With user-friendly dashboards and a dedicated customer success manager for qualifying companies, managing health benefits has never been easier for small and mid-size businesses.

Award-winning customer support

Our award-winning customer service team is here to help every step of the way. For larger employers needing more support, Remodel Health’s ICHRA+ administration solution offers a hands-on, high-touch experience with dedicated advisors.

Integrated health insurance shopping

If you offer a QSEHRA or ICHRA with us, your employees can shop for individual health insurance and supplemental ancillaries like dental or vision coverage directly from their PeopleKeep account, regardless of where they reside.

Learn more about supporting your employees, no matter where they live

Cost of health insurance by state
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COMPARISON CHART

Cost of health insurance by state

Remote employee reimbursement rules by state
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GUIDE

Remote employee reimbursement rules by state

HRA software demos
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DEMO

HRA software demos

Personalize your benefits with PeopleKeep by Remodel Health for a happier, healthier team

Modern teams need modern benefits. At PeopleKeep, we can help you build a flexible, compliant benefit that meets the needs of your entire workforce. Learn more about our HRA administration software or book a call with an HRA specialist.

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