Head to head

PeopleKeep vs Thatch

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

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

Thatch

Sales-quoted

Thatch is an ICHRA platform where the employer sets a monthly healthcare budget and employees pick individual medical, dental, and vision plans. The vendor charges a simple monthly fee per employee with no setup fees or long-term contracts, and does not print the dollar amount.

Where Thatch fits

  • Startups hiring across states that do not want to shop a new group plan each time
  • Employers replacing a rising group premium with a fixed ICHRA budget
  • Remote-first companies whose people need local individual networks
  • HR teams that want enrollment, carrier payments, and compliance reporting handled by the vendor

At a glance

DetailPeopleKeepThatch
Starting price$12/employee/moSales-quoted
Free tier–No–No
MCP server–No–No
Public API–No–No
Listed underBenefits administrationBenefits administration
Capterra4.5 from 89 reviewsNot enough reviews

Where they pull apart

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

Thatch

Stands out: Leftover budget loads onto a Thatch Card for copays, prescriptions, and other qualified medical expenses, so employees are not filing reimbursement forms after the premium is paid.

Watch out: There is no public PEPM. You upload a census into a quoting tool or book a call. Thatch Market (plan shopping) is included at no extra platform fee, but the per-employee software fee is still sales-quoted.

Not the right fit for

  • Buyers who need a printed dollar rate before a census quote
  • Employers that only want a GCHRA on top of a group plan they already like

Pros and cons

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

Thatch

  • No setup fee and no long-term contract on the vendor FAQ
  • ICHRA classes can vary by location and age so the budget is not a single national number
  • Thatch Card spends leftover allowance without a reimbursement queue
  • The per-employee software fee is not printed
  • It is ICHRA, not QSEHRA or a GCHRA supplement
  • You still fund the actual insurance allowance on top of the platform fee

What each one costs

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

Thatch

Sales-quoted

Thatch charges a monthly fee per employee. The vendor states there are no setup fees, long-term contracts, or hidden costs, and asks you to contact them for pricing based on team size. Thatch Market plan shopping is included at no additional platform fee. The software fee itself is not printed. Confirm current terms on the vendor site.

Checked 19 Sep 2026

Common questions

Can you try PeopleKeep or Thatch 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?