SimplyHRA vs Remodel Health: Tech-First Automation vs Managed Enterprise Benefits

TL;DR

SimplyHRA and Remodel Health are both highly efficient vehicles for companies transitioning to ICHRA. They represent two sides of the spectrum — one prioritizing self-service but guided experience, while the other offers white-glove, managed ICHRA administration.

Key Takeaways

• Pricing differences: SimplyHRA offers a straightforward $29 per employee/month pricing model, whereas Remodel Health utilizes a layered structure that considers factors like location, employer size, and consultancy needs.
• Setup and administration experience: SimplyHRA's philosophy is built around agile administration and independent setup workflows, while  Remodel Health's main value proposition is consultant-guided implementation and administration.
• Automation and compliance: Both SimplyHRA and Remodel Health offer in-app reporting, tracking, and compliance, but Remodel Health edges out withadvanced, large-scale financial tools.

The volatility of traditional group health plan premiums has led many companies straight to Individual Coverage Health Reimbursement Arrangement (ICHRA).

With ICHRA, employers set fixed monthly allowances while employees choose the medical plans that fit their personal needs. This provides businesses with cost predictability and better budgeting, while employees can escape rigid group plan structures that don't really address their individual needs.

Looking to adopt ICHRA for your business?

SimplyHRA and Remodel Health represent two different philosophies in terms of ICHRA implementation and management.

One is a software-first, self-service platform, while the other leans towards providing a managed ICHRA administration service.

Here's how these two systems compare:

SimplyHRA vs Remodel Health: Quick Comparison

Comparing SimplyHRA vs Remodel Health

To make sure you pick the right ICHRA management solution for your company, you need to look beyond side-by-side comparisons.

Let's take a deeper look at each platform's features, pros, cons, and other differentiating factors:

SimplyHRA Overview

SimplyHRA approaches employee health benefits from a software-first, self-service perspective. It focuses on eliminating the gatekeepers, delays, and hidden fees that are typically found in ICHRA programs.

The centerpiece of SimplyHRA's platform is the streamlined, user-friendly visual dashboard that provides small-to-midsize businesses full control of their benefits — no need for a broker, advisor, or account manager to step in.

And by leveraging automated validation systems, SimplyHRA will save you from the stress of manual oversight and administration.

SimplyHRA Pros

• Fully transparent and predictable pricing (with free, publicly-available ICHRA cost calculator
• Highly intuitive user interface that significantly cuts internal training time
• Automated compliance and reimbursement management
• Same-day plan configuration and enrollment launch
• Integration with payroll and HRIS systems

SimplyHRA Cons

• Strictly for ICHRA

Remodel Health Overview

Remodel Health offers white-glove ICHRA administrative services to organizations that view health benefits through a strategic, corporate lens. The platform combines its specialized software with a massive backend infrastructure, backed by licensed health insurance experts who can guide your team through transitions from traditional group coverage.

Through Remodel Health's ICHRA+ product, employees can shop for their own coverage while employers gain access to advanced customization tools. They can schedule in-app advisements, define employee classes, and review critical insights for cost management and future cost projections.

It's also worth noting that Remodel Health acquired PeopleKeep in 2024 to cater to the ICHRA and QSEHRA needs of small-to-midsize businesses. It is a calculated move that enabled the core platform to focus on servicing large and enterprise-scale companies.

Remodel Health Pros

• Advanced, proprietary cost-modeling software for shifting benefits budgets
• Direct premium routing tools
• Supports QSEHRA in addition to ICHRA through PeopleKeep
• Dedicated account managers

Remodel Health Cons

• More complex pricing structure that includes monthly platform fees
• Longer onboarding timeline due to a deep, human-led consultative setup

1. ICHRA Setup

An ICHRA platform's primary functions include streamlining the initial setup process.

Here's what it looks like with SimplyHRA and Remodel Health:

SimplyHRA

SimplyHRA takes out any avoidable delay and headache from ICHRA implementation by providing self-service tools that anyone can use from day one.

While you still need extensive research and planning when building your ICHRA plan from scratch, the actual setup only takes less than an hour through SimplyHRA's step-by-step setup interface.

No need to work with a broker or advisor — just log in and create your ICHRA plan from there.

You can also define ICHRA classes, onboard employees, link your bank account, and add plan administrators through the employer portal. This nimble architecture makes it entirely possible to finalize a compliant ICHRA framework on the same day, especially if you already have organized employee data.

Remodel Health

Remodel Health relies on a structured, consultant-driven implementation process that starts with a deep analysis of your workforce's demographic data. Your rollout begins with an assigned benefits consultant who runs your historical health data through their proprietary cost-modeling software.

This consultant-led approach ensures your contribution classes are precisely tuned and optimized to maximize your corporate tax savings — all while avoiding legal overlap with shifting ACA rules.

2. Administration & Compliance Automation

An ICHRA platform's purpose is to simplify monthly documentation, validation, premium tracking, and regulatory filing behind a seamless visual interface. Or, they can provide you with the manpower who'll take care of these objectives for you.

SimplyHRA

SimplyHRA is a tech-first platform, but it also automates the ongoing burden of regulatory compliance and data maintenance. Once your plan parameters are initialized, the software's automated validation engine takes over, checking employee premium receipts for tax eligibility while continuously keeping up with changes to federal affordability thresholds.

In addition to automating your compliance-ready paperwork, the core system also updates your ICHRA data dynamically. This means your HR team can view your employee and ICHRA plan data in real-time.

Remodel Health

Remodel Health leverages an enterprise-focused compliance structure backed by direct-to-carrier financial tools.

Instead of forcing employees to pay out of pocket and manually submit reimbursement requests. Using Remodel Health's Autopay engine, employer allowances are securely and directly routed to supported insurance carriers using FDIC-insured funding accounts.

For regulatory reporting, the platform relies on targeted data compilation tools paired with hands-on human review. This framework is highly tailored for Applicable Large Employers (ALEs) that need to manage multi-tiered employee classes and generate dense compliance documentation.

3. Pricing

Pricing can be a deal-breaker for startups and small businesses that need to make every cent count.

ICHRA platform subscriptions typically include a Per Employee Per Month (PEPM) cost, upfront implementation charges, and platform fees — but not all of them.

SimplyHRA

SimplyHRA uses a highly transparent, flat-rate pricing model designed for maximum financial predictability.

The platform charges a flat $29 PEPM regardless of other variables, like employer size and administrative complexity. No need to worry about upfront implementation fees, annual contracts, or hidden base subscription overhead.

Remodel Health

Remodel Health leverages multi-layered pricing that scales based on different factors, including company size and the level of required consultative guidance. Its self-service PeopleKeep platform uses a monthly base fee plus per-seat pricing, with published starting points around $89–$125 per month for small teams, while its high-touch, advisor-led ICHRA+ enterprise tiers can reportedly cost around $120 per user per month (based on consumer survey and review data).

In addition to these charges, the structure also includes a fixed monthly base platform fee for covering dedicated legal mapping. This is the premium for white-glove onboarding and comprehensive human consulting, which are invaluable to larger corporate frameworks.

4. Employee Onboarding & Support

Migrating employees away from traditional group plans requires dedicated onboarding tools and user support to prevent internal HR bottlenecks.

SimplyHRA

SimplyHRA simplifies the employee transition by giving team members direct access to licensed, location-specific benefits specialists at no extra cost. These experts guide workers through local ACA marketplaces, helping them find individual insurance products that align with their healthcare needs.

Of course, there's also the self-service route where employees can create their accounts and purchase their own insurance within the SimplyHRA app.

SimplyHRA also provides pre-funded virtual cards to employees, which can be used to pay their monthly carrier premiums.

For questions, status update requests, and other means of support, employees can rely on the 24/7 in-app AI assistant. They can also use other support channels, including phone, email, or a scheduled 1:1 consultation.

Remodel Health

Remodel Health prioritizes a deep, high-touch training framework designed to educate entire corporate workforces simultaneously. The company coordinates structured enrollment webinars and live training sessions to ensure employees understand basic healthcare terms and plan differences before shopping.

During active open enrollment, employees work alongside assigned corporate benefits advisors who offer tailored guidance via phone or email. Following activation, your staff retains ongoing access to a dedicated care team, helping you with ICHRA management and long-term coverage adjustments.

5. Additional Features

Choosing the right platform depends on finding secondary tools that fit your existing ICHRA management goals, such as system integrations and multiple plan options.

Here's a look at the extra features SimplyHRA and Remodel Health offer under the hood:

SimplyHRA

• Third-party integrations: SimplyHRA connects with HRIS and payroll software like Gusto, Deel, and ADP.
• Built-in reporting and document management: Gain instant access to data visualizations and organize all your files in a centralized document management tool.
• Cross-platform UI design: SimplyHRA is designed with mobile-friendliness in mind, enabling employees to create reimbursement requests and submit receipts on the go.

Remodel Health

• Third-party integrations: Remodel Health also integrates with 200+ payroll and HRIS systems, including ADP, UKG, Dayforce, and Paylocity.
• On-site education availability: Certain ICHRA+ tiers are eligible to request expert-led, in-person learning sessions for employees.
• PeopleKeep HRA administration: It's worth noting that PeopleKeep is fully a Remodel Health product, which offers flexible, cost-effective, and self-service HRA administration for ICHRA, GCHRA, and QSEHRA.

SimplyHRA vs Remodel Health: Verdict

Selecting an ICHRA platform depends on balancing your internal administrative capacity against the unique structural demands of your workforce.

SimplyHRA is built for agile startups and SMEs. Its toolkit is specifically designed to quick-launch health benefits without getting bogged down in corporate red tape.

Remodel Health, on the other hand, is tailored for mid-market and large enterprises that manage multi-tiered employee classes across multiple locations.

The best approach, of course, is to see how each platform performs in real time.

Reach out to us here and book a live demo for a firsthand look at SimplyHRA.

Note: Competitor pricing and feature details are summarized from public sources as of July 2026 and may change. Always confirm current pricing directly on each provider’s website.