PeopleKeep
PeopleKeep administers HRAs for employers that reimburse individual or supplemental medical costs instead of, or on top of, a group plan.
From $12/employee/mo
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Bottom line
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.
Stands out for: 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 for: 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.
Overview
PeopleKeep lets an employer set a tax-free medical allowance, then employees submit receipts for reimbursement. Live reviewers check each claim against the plan. QSEHRA is the small-employer alternative to group insurance. ICHRA covers individual policies for any headcount, with no charge for opted-out employees. GCHRA sits on top of a group policy and reimburses out-of-pocket medical costs.
Monthly plans charge a company base fee plus a per-seat fee, with a three-seat minimum. GCHRA is $12 per employee per month plus $30 base. QSEHRA and ICHRA are $25 per employee per month plus $50 base. Annual QSEHRA is paid up front. There is no published free trial.
Who it's for
Best for
- 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
Not ideal 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
Key features
QSEHRA and ICHRA administration. Runs reimbursement plans in all 50 states with legal documents included.
Group HRA. Supplements a group plan with a tax-free reimbursement budget.
Expense review. Reviews employee claims against plan rules.
Payroll deduction support. Feeds reimbursements into payroll.
Pricing
| Plan | Price | What you get |
|---|---|---|
| GCHRA | $12/employee/mo + $30 base | |
| QSEHRA | $25/employee/mo + $50 base | Employers under 50 employees |
| ICHRA | From $25/employee/mo + $50 base | No charge for opted-out employees |
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. Vendors change prices without notice.
Is PeopleKeep expensive?
PeopleKeep starts at $12/employee/mo. We list 25 benefits administration tools in total. 0 have a free tier, and those with a public price typically start around $12 a month.
- 19 quote-based
- 0 free tier
- 5 public price
Worked out automatically from every benefits administration listing, so it updates as the directory changes.
Pros and cons
Pros
- 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
Cons
- 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's new at PeopleKeep
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How PeopleKeep compares
See all PeopleKeep alternatives, with what each one does differently and a head to head for every pairing.
| Tool | Free tier | From | MCP | API | Compare |
|---|---|---|---|---|---|
| | – | $12/employee/mo | – | – | |
| | – | Sales-quoted | – | – | Compare |
| | – | $49/mo | ✓ | ✓ | Compare |
| | – | $8/employee/mo | – | – | Compare |
| | – | Sales-quoted | – | – | Compare |
Sales-quoted
Thatch is an ICHRA platform with a monthly per-employee fee and no published PEPM, aimed at startups that want employees to pick individual plans.
$49/mo MCP API
Gusto is US SMB payroll plus group benefits from $49/mo, not an HRA administrator.
$8/employee/mo
Justworks is a PEO at $8/employee/mo that bundles payroll and group benefits rather than reimbursing individual policies.
Sales-quoted
Employee Navigator is broker-channel benefits enrollment if you want a multi-carrier group portal instead of an HRA.
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