Independent reporting on ICHRA, CHOICE Arrangements and HRAs.How reviews work · CHOICE explained
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Buyer decision framework

Compare ICHRA providers for the job your team needs done

Select two or three services and compare public fee evidence, operating descriptions and the questions each written proposal still needs to answer.

Build your comparison

Choose the operating situation, then select two or three providers. The comparison uses public information reviewed September 25, 2026. It does not rank providers or calculate a total price from incomplete fee schedules.

2. Choose providers

Use the same workforce, locations, ages, contribution proposal, effective date and support requirements with every candidate. No information entered here is submitted to ICHRA Report.

Choose two providers to compare.

By ICHRA Report · Published

How to compare

For each scenario, give every candidate the same employee locations, ages, proposed contributions, effective date and support requirements. Keep administrator fees separate from insurance premiums, reimbursements and employee costs.

Employer with fewer than 50 workers

Compare the full annual bill, base or minimum fees, active-versus-eligible billing, QSEHRA availability where relevant, employee support, and who submits the first premium. PeopleKeep, Take Command, Thatch and StretchDollar publish some fee information; the packages and billable units differ. A lowest displayed rate is not the lowest total cost.

Large or dispersed employer

Ask how each provider handles employee classes, affordability inputs, multiple rating areas, HRIS and payroll synchronization, large open enrollment, carrier-payment exceptions and ongoing eligibility. Compare the exact service scope of providers such as Remodel Health, SureCo, Take Command and other enterprise-oriented platforms; no public page establishes a universal winner.

Direct carrier payment or reimbursement

Trace the employee's first premium, subsequent premiums, proof of coverage, funding and failed-payment process. Some companies describe direct carrier payment; others emphasize employee reimbursement or a combination. Ask who is legally responsible at each handoff and how a coverage lapse is discovered and repaired. A marketing phrase such as “autopay” does not establish every carrier integration.

Broker-led or employer-led rollout

A broker-first model can keep the advisor central; a self-service model can simplify a smaller employer's setup. Compare who gives licensed advice, who holds the employer contract, who supports employees, who receives compensation and what remains with HR. zizzl health explicitly describes a broker channel; Decisely's exact administration role remains unverified in our public-source review.

What evidence closes the decision?

Request a responsibility table signed into the proposal: task owner, payer, escalation owner and proof for implementation, shopping, first premium, recurring payments, reimbursements, reconciliation, service failure and offboarding. Then test the plan options and employee costs in each relevant location. These are buyer controls, not a quality score or an independent service test.