Quick Overview
- 1#1: Take Command Health - Comprehensive HRA administration platform offering automated reimbursements, compliance tools, and employee self-service for employers of all sizes.
- 2#2: PeopleKeep - Manages individual health benefits including HRAs and stipends with simple reimbursement processes and IRS compliance.
- 3#3: Thatch - AI-powered HRA platform that automates claims, eligibility checks, and reimbursements for modern employers.
- 4#4: Remodel Health - Specializes in ICHRA and QSEHRA administration with expert implementation and ongoing support services.
- 5#5: Zane Health - User-friendly HRA software designed for small businesses with easy setup and monthly reimbursements.
- 6#6: BenefitBay - Streamlined QSEHRA administration tool with automated reimbursements and real-time reporting.
- 7#7: LIQHRA - Affordable, cloud-based HRA management software for small to mid-sized employers with compliance features.
- 8#8: RQ Health - RQHRA platform providing reimbursement accounts management and employee portals for HRAs.
- 9#9: Gravie - HRA-based health benefits solution integrating reimbursements with primary care access.
- 10#10: Savista - Benefits administration platform supporting HRA reimbursements and enrollment management for mid-market employers.
Tools were evaluated based on comprehensive features (including automated processes, compliance support, and employee portals), user-friendliness, reliability, and overall value, ensuring they balance functionality with accessibility for diverse organizational needs.
Comparison Table
HRA administration software is a critical tool for managing benefits, with options like Take Command Health, PeopleKeep, Thatch, Remodel Health, Zane Health, and more each offering unique features. This comparison table simplifies the selection process by outlining key details, allowing readers to quickly assess differences in functionality, pricing, and usability. By reviewing these platforms side-by-side, users can identify the software that best aligns with their organizational needs and goals.
| # | Tool | Category | Overall | Features | Ease of Use | Value |
|---|---|---|---|---|---|---|
| 1 | Take Command Health Comprehensive HRA administration platform offering automated reimbursements, compliance tools, and employee self-service for employers of all sizes. | specialized | 9.7/10 | 9.8/10 | 9.4/10 | 9.5/10 |
| 2 | PeopleKeep Manages individual health benefits including HRAs and stipends with simple reimbursement processes and IRS compliance. | specialized | 9.2/10 | 9.1/10 | 9.5/10 | 8.8/10 |
| 3 | Thatch AI-powered HRA platform that automates claims, eligibility checks, and reimbursements for modern employers. | specialized | 8.7/10 | 9.2/10 | 9.0/10 | 8.2/10 |
| 4 | Remodel Health Specializes in ICHRA and QSEHRA administration with expert implementation and ongoing support services. | specialized | 8.4/10 | 8.7/10 | 8.2/10 | 8.0/10 |
| 5 | Zane Health User-friendly HRA software designed for small businesses with easy setup and monthly reimbursements. | specialized | 8.2/10 | 7.9/10 | 8.6/10 | 8.0/10 |
| 6 | BenefitBay Streamlined QSEHRA administration tool with automated reimbursements and real-time reporting. | specialized | 8.1/10 | 8.3/10 | 8.7/10 | 7.7/10 |
| 7 | LIQHRA Affordable, cloud-based HRA management software for small to mid-sized employers with compliance features. | specialized | 7.6/10 | 7.8/10 | 7.4/10 | 7.5/10 |
| 8 | RQ Health RQHRA platform providing reimbursement accounts management and employee portals for HRAs. | specialized | 7.6/10 | 7.4/10 | 8.2/10 | 7.5/10 |
| 9 | Gravie HRA-based health benefits solution integrating reimbursements with primary care access. | enterprise | 8.2/10 | 8.5/10 | 8.3/10 | 7.8/10 |
| 10 | Savista Benefits administration platform supporting HRA reimbursements and enrollment management for mid-market employers. | enterprise | 7.1/10 | 7.3/10 | 6.8/10 | 7.0/10 |
Comprehensive HRA administration platform offering automated reimbursements, compliance tools, and employee self-service for employers of all sizes.
Manages individual health benefits including HRAs and stipends with simple reimbursement processes and IRS compliance.
AI-powered HRA platform that automates claims, eligibility checks, and reimbursements for modern employers.
Specializes in ICHRA and QSEHRA administration with expert implementation and ongoing support services.
User-friendly HRA software designed for small businesses with easy setup and monthly reimbursements.
Streamlined QSEHRA administration tool with automated reimbursements and real-time reporting.
Affordable, cloud-based HRA management software for small to mid-sized employers with compliance features.
RQHRA platform providing reimbursement accounts management and employee portals for HRAs.
HRA-based health benefits solution integrating reimbursements with primary care access.
Benefits administration platform supporting HRA reimbursements and enrollment management for mid-market employers.
Take Command Health
specializedComprehensive HRA administration platform offering automated reimbursements, compliance tools, and employee self-service for employers of all sizes.
Advanced automated eligibility engine that dynamically assesses employee status across 50+ criteria for full ICHRA compliance.
Take Command Health is a leading HRA administration software platform specializing in Individual Coverage HRAs (ICHRAs) and Qualified Small Employer HRAs (QSEHRAs), enabling employers to manage employee health reimbursements efficiently. It provides automated eligibility checks, claims processing, employee self-service portals, and comprehensive compliance reporting to simplify HRA operations. The platform integrates with carriers and payroll systems, reducing administrative burdens while ensuring regulatory adherence.
Pros
- Specialized ICHRA/QSEHRA automation with real-time eligibility determination
- Intuitive employee and admin portals for seamless reimbursements
- Top-tier compliance tools and dedicated support from HRA experts
Cons
- Limited third-party integrations compared to general HR platforms
- Pricing scales up quickly for very large enterprises
- Initial setup requires some customization for complex employer structures
Best For
Mid-sized to large employers seeking a turnkey solution for ICHRA and QSEHRA administration with strong compliance focus.
Pricing
Starts at $4 per employee per month for core plans, with tiered options up to custom enterprise pricing.
PeopleKeep
specializedManages individual health benefits including HRAs and stipends with simple reimbursement processes and IRS compliance.
Same-day reimbursements with automated claim approvals via employee mobile app
PeopleKeep is a specialized HRA administration platform that simplifies managing Health Reimbursement Arrangements (HRAs) for employers, allowing tax-free reimbursements for individual health insurance premiums and qualified medical expenses. It features an intuitive employee portal for submitting claims via mobile app or web, with automated approvals and direct deposits often processed the same day. Employers benefit from built-in compliance tools for ICHRA, QSEHRA, and other HRA types, plus seamless payroll integrations and dedicated support.
Pros
- Exceptionally user-friendly interface with mobile app for quick employee reimbursements
- Robust compliance automation for various HRA types including ICHRA and QSEHRA
- Excellent customer support and fast same-day payment processing
Cons
- Pricing scales per employee, which can add up for very large groups
- Limited integrations beyond core payroll systems
- Primarily focused on HRAs, lacking broader benefits administration tools
Best For
Small to mid-sized businesses seeking a simple, compliant way to administer flexible HRAs without in-house expertise.
Pricing
PEPM model starting at $5 per employee per month, plus a one-time setup fee; no percentage of reimbursements.
Thatch
specializedAI-powered HRA platform that automates claims, eligibility checks, and reimbursements for modern employers.
AI Co-Pilot for hyper-personalized health insurance shopping and recommendations
Thatch (thatch.ai) is an AI-powered benefits administration platform designed for managing Health Reimbursement Arrangements (HRAs), including ICHRA, with a focus on personalized employee experiences. It automates reimbursement claims, provides AI-driven health plan recommendations, and streamlines enrollment and compliance for employers. The platform emphasizes employee engagement through intuitive tools, making it easier for HR teams to administer benefits efficiently.
Pros
- AI-powered personalized plan recommendations enhance employee satisfaction
- Automated HRA reimbursements with fast claims processing
- Modern, intuitive interface for both admins and employees
Cons
- Pricing can be premium for smaller teams
- Limited advanced reporting and analytics compared to enterprise solutions
- Fewer integrations with legacy HR systems
Best For
Mid-sized employers seeking AI-driven HRA administration to boost employee engagement and simplify reimbursements.
Pricing
Custom pricing starting at ~$8-12 per employee per month, with tiers based on company size and features; contact sales for demo and quote.
Remodel Health
specializedSpecializes in ICHRA and QSEHRA administration with expert implementation and ongoing support services.
Dynamic ICHRA reimbursement calculator that auto-adjusts allowances by employee age, family size, and location for precise compliance.
Remodel Health is a specialized platform for administering Health Reimbursement Arrangements (HRAs), including ICHRA, QSEHRA, and Excepted Benefit HRAs. It automates employee enrollment, eligibility verification, claims submission, reimbursement processing, and compliance reporting to help employers manage cost-effective health benefits alternatives. The software emphasizes regulatory adherence and seamless payroll integrations, making it ideal for businesses shifting from traditional group health plans.
Pros
- Deep HRA-specific functionality with automated eligibility and compliance tools
- Strong customer support tailored to HRA regulations
- Efficient claims processing and reimbursement disbursement
Cons
- Pricing lacks transparency and can be higher for smaller employers
- Limited integrations beyond core payroll and benefits systems
- Customization options require vendor assistance for complex setups
Best For
Mid-sized employers adopting ICHRA or QSEHRA as an alternative to traditional group health insurance.
Pricing
Custom quotes typically $6-12 per employee per month, plus one-time setup fees based on plan complexity.
Zane Health
specializedUser-friendly HRA software designed for small businesses with easy setup and monthly reimbursements.
One-click reimbursement approvals via integrated banking, streamlining payments directly to employee accounts.
Zane Health is a modern platform designed for administering Health Reimbursement Arrangements (HRAs), including ICHRAs and QSEHRAs, enabling employers to manage personalized health benefits efficiently. It offers tools for eligibility management, automated claims processing, reimbursements, and compliance tracking through an intuitive dashboard and employee portal. The software emphasizes simplicity and scalability, particularly for small to mid-sized businesses transitioning to individualized coverage.
Pros
- Intuitive interface with mobile-friendly employee portal for easy claims submission
- Automated reimbursement processing reduces administrative burden
- Strong focus on ICHRA compliance and real-time reporting
Cons
- Limited integrations with larger payroll or benefits systems compared to enterprise competitors
- Customization options for complex employer needs are somewhat basic
- Pricing can escalate for higher reimbursement volumes
Best For
Small to mid-sized employers seeking a user-friendly HRA solution for ICHRA implementation without extensive IT support.
Pricing
Custom pricing typically starts at $5-10 per employee per month, with additional fees based on reimbursement volume and plan complexity.
BenefitBay
specializedStreamlined QSEHRA administration tool with automated reimbursements and real-time reporting.
Seamless automated claims reimbursement with real-time eligibility checks and direct ACH payments.
BenefitBay is a specialized HRA administration software platform tailored for small to mid-sized employers managing Health Reimbursement Arrangements like QSEHRA and ICHRA. It provides an employee self-service portal for submitting claims, automated approval workflows, and direct reimbursements via ACH. The tool emphasizes regulatory compliance, customizable allowance schedules, and basic reporting to simplify benefits administration without requiring in-house expertise.
Pros
- Intuitive employee and admin portals for quick claims processing
- Strong focus on IRS compliance and allowance customization
- Fast setup and onboarding for SMBs
Cons
- Limited third-party integrations (e.g., payroll or HRIS)
- Reporting lacks advanced analytics compared to enterprise tools
- Pricing scales up quickly for larger employee counts
Best For
Small businesses and brokers seeking simple, compliant HRA management without enterprise-level complexity.
Pricing
Starts at $4-6 per employee per month with tiered plans; custom quotes for 100+ employees, including setup fees.
LIQHRA
specializedAffordable, cloud-based HRA management software for small to mid-sized employers with compliance features.
Automated QSEHRA notice generation and distribution compliant with IRS Section 125 requirements
LIQHRA is a cloud-based HRA administration platform specializing in Qualified Small Employer HRAs (QSEHRAs) and Individual Coverage HRAs (ICHRAs). It simplifies employer tasks like employee enrollment, claim processing, reimbursement disbursements, and IRS compliance reporting through an intuitive dashboard. The software also provides employee self-service portals for submitting expenses and tracking reimbursements, ensuring efficient management of health benefits for small to mid-sized businesses.
Pros
- Streamlined claim processing with automated approvals and reimbursements
- Strong compliance tools including 1095-A form generation and ACA reporting
- User-friendly employee portal accessible via mobile devices
Cons
- Limited advanced customization options for larger enterprises
- Customer support response times can vary during peak seasons
- Integration with some payroll systems requires additional setup
Best For
Small to medium-sized employers (under 100 employees) seeking a straightforward, compliance-focused HRA solution without complex enterprise needs.
Pricing
Custom pricing starting at $5-10 per employee per month, with setup fees and tiered plans based on HRA type and employee count.
RQ Health
specializedRQHRA platform providing reimbursement accounts management and employee portals for HRAs.
Real-time carrier connectivity for automated eligibility checks and seamless claims adjudication across multiple HRA types
RQ Health (myrqh.com) is a specialized SaaS platform designed for administering Health Reimbursement Arrangements (HRAs), including QSEHRA, ICHRA, and traditional HRAs. It automates claims processing, participant reimbursements, eligibility verification, and compliance reporting for employers. The software emphasizes simplicity and integration with carriers to streamline benefits administration for small to mid-sized businesses.
Pros
- Intuitive interface with quick setup for HRA programs
- Strong compliance tools and automated reimbursements
- Responsive customer support tailored to SMBs
Cons
- Limited advanced analytics and customization options
- Fewer third-party integrations than enterprise competitors
- No dedicated mobile app for participants
Best For
Small to medium-sized employers seeking affordable, straightforward HRA administration without needing extensive enterprise features.
Pricing
Custom subscription pricing starting around $4-8 per participant per month, with volume discounts and no long-term contracts.
Gravie
enterpriseHRA-based health benefits solution integrating reimbursements with primary care access.
Real-time employee attestations and automated reimbursement approvals tied to IRS-safe harbor rules
Gravie is a specialized platform focused on Individual Coverage Health Reimbursement Arrangement (ICHRA) administration, allowing employers to offer tax-advantaged reimbursements for employee health insurance premiums and qualified medical expenses. It provides tools for setting reimbursement budgets, managing employee attestations, processing claims, and ensuring IRS compliance through an intuitive admin dashboard and employee self-service portal. Gravie stands out by simplifying ICHRA implementation for small to mid-sized businesses, reducing administrative burdens compared to traditional group health plans.
Pros
- Specialized ICHRA expertise with automated compliance checks
- User-friendly employee portal for easy claim submissions
- Seamless reimbursement processing and reporting
Cons
- Limited support for non-ICHRA HRA types
- Custom pricing lacks transparency
- Fewer integrations with enterprise HR systems
Best For
Small to mid-sized employers seeking a straightforward ICHRA solution without in-house benefits expertise.
Pricing
Custom quote-based pricing, typically $6-12 per employee per month plus implementation fees.
Savista
enterpriseBenefits administration platform supporting HRA reimbursements and enrollment management for mid-market employers.
Real-time payer connectivity via advanced EDI for instant HRA eligibility verification
Savista is a healthcare revenue cycle management platform that supports HRA administration through tools for eligibility verification, claims processing, and reimbursement workflows. It enables administrators to automate expense reimbursements under Health Reimbursement Arrangements like ICHRA and QSEHRA by integrating with payer systems for real-time data. While robust for payer-provider interactions, its HRA-specific features are part of a broader suite rather than a dedicated solution.
Pros
- Strong EDI integration for real-time eligibility and claims
- Scalable for high-volume reimbursement processing
- Reliable compliance tools for healthcare regulations
Cons
- Interface feels geared more toward revenue cycle than pure HRA admin
- Limited customization for employer-specific HRA rules
- Setup requires significant IT involvement
Best For
Third-party administrators or mid-sized employers managing HRAs alongside broader payer operations.
Pricing
Custom enterprise pricing; subscription-based, typically starting at $5,000/month depending on volume and modules—contact sales for quote.
Conclusion
Evaluating HRA administration software reveals top tools that excel in automation, compliance, and user needs. Leading the pack, Take Command Health stands out with its comprehensive platform, suitable for all employer sizes and balancing power with ease. Close behind, PeopleKeep and Thatch offer distinct strengths—simplicity and IRS adherence for the former, AI-driven efficiency for the latter—making them strong alternatives.
To optimize your HRA management, begin with Take Command Health; its automated reimbursements, compliance tools, and employee self-service features make it the top choice for boosting efficiency and satisfaction.
Tools Reviewed
All tools were independently evaluated for this comparison
