ICHRA Administrator Comparison: Remodel Health vs. Take Command vs. PeopleKeep

The ICHRA administrator market has consolidated around three platforms that together handle the majority of employer accounts: Remodel Health, Take Command Health, and PeopleKeep. They're frequently mentioned in the same breath, but they're meaningfully different products built for different buyer profiles.

This comparison is based on publicly available information, employer feedback, and platform documentation. None of these vendors sponsored or reviewed this post.

Platform Overviews

Remodel Health

Indianapolis-based Remodel Health launched in 2016 and was purpose-built for faith-based organizations and mid-market employers. Their product reflects that history: strong compliance infrastructure, broker-centric distribution, and a platform designed for HR teams managing benefits for non-technical workforces.

Remodel is the most broker-oriented of the three. The majority of their accounts come through benefits advisor relationships, and the platform UI reflects this — it's built to be managed by an HR admin with broker support, not operated entirely self-service by the employer.

Take Command Health

Dallas-based Take Command Health positions itself as the most tech-forward of the three. Their platform has the strongest employer-facing UX, a clean setup workflow, and more transparent pricing than the other two. They've grown primarily through direct-to-employer sales and broker partnerships, and their product has increasingly targeted mid-market employers (50–500 employees) who want a modern SaaS experience.

Take Command also operates an insurance-licensed subsidiary that can advise employees on plan selection — a meaningful differentiator when employees need guidance navigating the individual market.

PeopleKeep

Salt Lake City-based PeopleKeep (formerly Zane Benefits) is the oldest of the three and has the largest book of small-employer accounts. Their legacy is in QSEHRA (the smaller-employer HRA product that predates ICHRA), and they expanded into ICHRA when the regulation passed in 2020. As a result, they have deep experience with the 1–49 employee segment and an admin platform that's been refined over years of small-business use cases.

PeopleKeep's primary weakness is that their platform hasn't kept pace aesthetically and functionally with Take Command — the UX reflects its heritage as a small-business tool rather than a modern HR platform.

Feature Comparison

Affordability Calculators

All three platforms provide affordability calculators, but they differ in depth. Take Command's calculator is the most accessible — it walks employers through safe harbor selection and shows per-employee affordability determinations in a clean interface. Remodel Health's calculator is more comprehensive but requires more input and is more clearly built for broker-assisted scenarios. PeopleKeep's tool is adequate for straightforward use cases but can require workarounds for complex class structures.

Document Management

Remodel Health has the strongest compliance document infrastructure — plan documents, notice generation, and audit trail management. This matters more for larger employers or those in heavily regulated industries. Take Command and PeopleKeep handle standard compliance requirements, but organizations that expect audit scrutiny may find Remodel's documentation depth more reassuring.

Pricing

None of the three platforms publish fully transparent pricing on their websites as of mid-2026. This is a legitimate frustration for employers trying to comparison-shop without a sales call. Based on available information:

Remodel Health: Approximately $20–$35 PEPM for ICHRA administration. Pricing varies by employer size and broker relationship. Minimum account sizes and setup fees may apply.

Take Command Health: Approximately $15–$28 PEPM, with the lower end available for smaller employers on self-service plans. Setup fees in the $200–$500 range are common. More pricing transparency than competitors — their website publishes starting price tiers.

PeopleKeep: Approximately $15–$25 PEPM, with a base platform fee plus per-employee charges. One of the more accessible entry points for sub-25 employee accounts.

All three offer annual contract discounts. Month-to-month pricing is available from all three but costs more.

Employee Support Quality

This is where the differences are most practically significant. Employees navigating the individual insurance market for the first time need support — and the quality of that support directly affects benefit satisfaction and enrollment rates.

Take Command: The strongest employee-facing experience of the three. Their licensed agent team can guide employees through plan selection, and their shopping interface integrates with the marketplace. For employers whose workforce has never shopped individual insurance, this is a meaningful differentiator.

Remodel Health: Employee support is primarily handled through the employer's broker or account team, not directly to employees in real time. For large employers with broker support on-site during enrollment, this works well. For employers expecting the platform to handle employee questions directly, it's less self-sufficient.

PeopleKeep: Offers employee support via chat and email, with quality that ranges from adequate to poor based on user feedback. Their support model is built for simpler use cases — straightforward reimbursement questions, basic plan guidance. Complex situations may require escalation.

Who Each Platform Is Best Suited For

Remodel Health is the right choice if:

• You're working with a benefits broker who is already a Remodel partner
• You're a mid-to-large employer (100+ employees) who wants a heavily supported implementation
• Your organization is in a regulated industry or has compliance documentation requirements above average
• You're a faith-based organization (their original market, and their service model still reflects it)

Take Command Health is the right choice if:

• You want the most modern, self-service-capable employer UX
• Your employees need hands-on plan selection support and you want the administrator to provide it
• You're in the 25–300 employee range and don't have a dedicated benefits broker managing the relationship
• Pricing transparency matters to you in the sales process

PeopleKeep is the right choice if:

• You're under 50 employees and want a platform with deep small-employer experience
• You're coming from QSEHRA and want a straightforward ICHRA migration
• Cost is the primary constraint and you're comfortable with a less polished employee experience
• You have an in-house HR team that can handle employee questions rather than relying on the platform

What None of Them Do Well

All three platforms have a shared blind spot: post-enrollment claim support. When an employee has a coverage issue — a denied claim, a network problem, a billing dispute with their carrier — none of these platforms are equipped to help. They're HRA administrators, not insurance advisors. Employees who don't understand this distinction will be frustrated.

Similarly, none of the three do a particularly good job of proactively flagging when an employee's individual plan choice creates coverage gaps relative to what they had under the prior group plan. The platforms show plan options; they don't evaluate whether those plans meet the employee's actual healthcare needs.

If those capabilities matter to your workforce — and they should — supplement the administrator relationship with a qualified benefits advisor who will provide that ongoing support.

The Bottom Line

The administrator you choose matters less than the contribution levels you set and the employee communication strategy you execute. A well-run ICHRA on PeopleKeep outperforms a poorly communicated one on Take Command.

That said: Take Command is the easiest to recommend as a default for employers in the 25–300 range who are evaluating ICHRA without an existing broker relationship. Remodel Health is the strongest option for broker-driven implementations where compliance depth and documentation matter. PeopleKeep remains the most accessible entry point for small employers and QSEHRA-to-ICHRA transitions.

Re-evaluate your administrator every two to three years. This market is still consolidating.