Head to head

Employee Navigator vs PeopleKeep

Same facts, side by side: starting price, free tier, MCP, API and what each one is actually built for.

Employee Navigator

Sales-quoted

Employee Navigator is broker-channel benefits enrollment and HR software. It acquired Ease in April 2023 and is sunsetting Ease in 2027. Pricing is quoted across Enhanced, Enhanced Plus, Elite, and Platinum.

Where Employee Navigator fits

  • US benefits brokers running enrollment, ACA reporting, and HR for many employer groups
  • Agencies moving off Ease before the 2027 sunset
  • Brokers that need carrier, TPA, and payroll integrations plus 834 EDI
  • Books of business that want AI Plan Builds on the base Enhanced tier

PeopleKeep

$12/employee/mo

PeopleKeep is Remodel Health's HRA administration product. Group coverage HRA (GCHRA) is $12 per employee per month plus a $30 company base fee. QSEHRA and ICHRA start at $25 per employee per month plus a $50 base. A three-seat minimum applies on every plan.

Where PeopleKeep fits

  • US small employers replacing a group medical plan with a QSEHRA
  • Companies of any size that want an ICHRA instead of, or beside, a group plan
  • Employers that already have group coverage and want a GCHRA for out-of-pocket medical costs
  • HR and finance teams that need receipt review and plan documents without building an HRA in-house

At a glance

DetailEmployee NavigatorPeopleKeep
Starting priceSales-quoted$12/employee/mo
Free tier–No–No
MCP server–No–No
Public API–No–No
Listed underBenefits administrationBenefits administration
Capterra4.6 from 184 reviews4.5 from 89 reviews

Where they pull apart

Employee Navigator

Stands out: Unlimited companies and employees on every listed plan. AI Plan Builds sit on Enhanced. 834 EDI is $0.45 PEPM on Enhanced Plus and Elite, and $0 PEPM on Platinum.

Watch out: Sold through insurance brokers, not a self-serve employer checkout. Ease stays read-only from 1 July 2027, so Ease brokers need a migration plan. 834 EDI is not free until Platinum.

Not the right fit for

  • Employers buying benefits admin direct without a broker
  • Mid-market HR teams that want a multi-carrier employer platform (see PlanSource)

PeopleKeep

Stands out: Employers pick QSEHRA (under 50 employees, no group plan), ICHRA (any size, individual policies), or GCHRA (a supplement on top of an existing group policy). Unused GCHRA allowance stays with the employer.

Watch out: Three seats are billed even if you have one or two employees. QSEHRA and ICHRA add a $50 monthly base. Annual QSEHRA is prepaid for the year.

Not the right fit for

  • Buyers who want a full PEO, payroll, and benefits suite rather than an HRA administrator
  • Teams outside the US. PeopleKeep administers US HRA rules

Pros and cons

Employee Navigator

  • Broker-channel platform with unlimited companies and employees on listed plans
  • AI Plan Builds on Enhanced. 834 EDI free PEPM on Platinum
  • Ease acquisition with a dated 2027 sunset path for those groups
  • Quoted to brokers. Employers usually do not buy it direct
  • 834 EDI is $0.45 PEPM until Platinum
  • Ease sunset in 2027 is a migration project for leftover Ease books

PeopleKeep

  • Published PEPM tables for QSEHRA, ICHRA, and GCHRA instead of a hidden quote
  • GCHRA at $12/employee/mo is a cheap supplement when you already buy group medical
  • Capterra 4.5 from 89 matching PeopleKeep reviews
  • Three-seat minimum inflates cost for one- and two-person shops
  • QSEHRA and ICHRA add a $50 monthly base on top of $25 PEPM
  • It is HRA administration only, not payroll, dental shopping, or a PEO

What each one costs

Employee Navigator

Sales-quoted

Employee Navigator quotes Enhanced, Enhanced Plus, Elite, and Platinum. Contact sales on every tier. Unlimited companies and employees are listed on all four. 834 EDI is $0.45 PEPM on Enhanced Plus and Elite, and $0 PEPM on Platinum. AI Plan Builds are on Enhanced and up. Sold to insurance brokers. Confirm current terms on the vendor site.

Checked 19 Sep 2026

PeopleKeep

$12/employee/mo

GCHRA is $12 per employee per month plus a $30 company base fee. QSEHRA is $25 per employee per month plus a $50 base, for employers with fewer than 50 employees. ICHRA starts at $25 per employee per month plus a $50 base, with no charge for opted-out employees. Every plan has a three-seat minimum. Annual QSEHRA is prepaid. Confirm current terms on the vendor site.

Checked 19 Sep 2026

Common questions

Can you try Employee Navigator or PeopleKeep for free?
Neither carries a free tier on our listing.

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Editorial listings, never paid rankings. Prices checked 19 Sep 2026. Confirm current terms on the vendor site. Spot an error?