Top ICHRA Vendors for Employers in 2026

There are three certainties in life: death, taxes, and the rising costs of healthcare.

That's why, when it comes to employee healthcare, you need to be extra smart. 

Remember, offering health insurance isn't just a legal requirement (if you have 50 or more employees). It also helps you attract and retain top talent while boosting their productivity and motivation. 

Amidst ever-increasing costs, healthcare cuts, and regulatory shake-ups in 2025, businesses are running to a different, flexible form of employee healthcare: Individual Coverage Health Reimbursement Arrangement (ICHRA). 

This is a type of HRA where you — as an employer — set a budget for each employee class. Each employee is then free to use that budget to pay for their health insurance and other qualified medical expenses. 

In this post, we'll take a look at the top 9 ICHRA vendors to help launch your new, future-proof employee healthcare strategy come 2026. 

Let's get started.

1. SimplyHRA

SimplyHRA is built on the principle that employee healthcare shouldn't be complicated. 

It is a visual benefits platform designed to help businesses create ICHRA plans, onboard employees, manage reimbursements, and track insurance costs — all in one place. 

SimplyHRA handles all the time-consuming (and often costly) processes in managing employee healthcare. They also take care of all paperwork-related headaches, enabling hassle-free compliance.

SimplyHRA Feature Overview

• Cross-platform access — Both employers and employees can use SimplyHRA via mobile or desktop. 
• AI-enhanced assistance — SimplyHRA's integrated chatbot ensures 24/7 support for all questions and task assistance, from tracking reimbursement requests to managing plans. 
• Drag-and-drop management — Onboard employees, set budgets, and manage plans within minutes using a visual interface designed specifically for ICHRA. 
• Easy ICHRA automation — Free up your time by automating tasks related to payments, reimbursement approvals, tracking, and more. 
• Integrated healthcare shopping — Employees can use SimplyHRA to shop for ICHRA plans that suit their needs and budget. 

Schedule a personalized demo here. 

2. PeopleKeep 

Acquired by Remodel Health in 2024 to strengthen focus on ICHRA and widen insurance options for businesses, PeopleKeep has been a key player in the HRA space since 2006. 

PeopleKeep simplifies employee onboarding and HRA management for small businesses. It features a centralized dashboard that turns hours of plan management into a few minutes of administrative, software-driven tasks each month. 

PeopleKeep Feature Overview

• Designed for different HRA types — Aside from ICHRA, PeopleKeep is also equipped for managing other HRA types, namely Qualified Small Employer Health Reimbursement Arrangement (QSEHRA) and Group Coverage HRA (GCHRA). 
• Single source of truth — PeopleKeep maintains an accessible and searchable library of all documentation, including employee receipts and invoices, for future reference.
• Documentation automation — PeopleKeep also simplifies compliance by automating the creation of essential plan documentation. 

3. zizzl health

zizzl health is a software solution that officially entered the ICHRA market in 2020. 

Unlike other ICHRA tools designed for self-service experiences, zizzl health focuses on providing guided experiences and personalized assistance to both employers and brokers. Beyond setting your contribution cap per employee class, the platform does most of the work — from educating employees on their benefits to managing reimbursement requests. 

zizzl health Feature Overview

• Walkthrough-like guided experience for employees — Within the platform, employees are provided a checklist or "to-do" list that they can easily follow to enjoy their coverage.
• Personalized assistance — As part of the guided ICHRA setup experience, zizzl health also commits to providing personal assistance via phone, email, or live chat. 
• Fully-managed employee healthcare — zizzl health offers a "hands-off" approach for employers when it comes to employee health benefits. 

4. Thatch

Thatch is a modern benefits management platform that's built to ease the administrative headaches of providing employee healthcare while optimizing spending. It streamlines the process of creating benefits tailored to different employee groups based on location, status, or department. 

Similar to SimplyHRA, Thatch is designed with efficiency and simplicity in mind — without skimping on advanced features like detailed, employee-level reimbursement tracking and healthcare plan filters.

Thatch Feature Overview

• Service marketplace — Thatch customers gain exclusive pricing to a curated list of health services from providers like Hims, Sesame, Function, and Oura Ring.
• Thatch API — If you're building your own healthcare-related corporate software, you can use the Thatch API to easily integrate ICHRA management features like employee onboarding, plan selection, and more.
• AI-enabled assistance — Thatch is also one of the few modern platforms that leverage AI to streamline onboarding support and enhance reporting.

5. Benefitbay

Benefitbay is a comprehensive benefits platform tailored to the needs of employers, employees, and brokers.

For employees, Benefitbay is developed with a mobile-first design philosophy that aims to make tasks like plan selection and reimbursement requests a breeze. And for employers, the goal is to take as much of the administrative burdens off your hands. 

Benefitbay Feature Overview

• Minimalist desktop dashboard for employers — As a platform designed specifically for ICHRA, setting up your employee healthcare and handling administrative tasks is as easy as managing a social media account.
• Education-focused enrollment assistance — Benefitbay's onboarding experience prioritizes employee learning and step-by-step assistance, refined for non-tech-savvy users. 

6. SureCo

Out of all the ICHRA vendors on this list, SureCo is the only one specifically created for companies that don't fall under the "small employer" umbrella. 

Unlike QSEHRA, ICHRA has no maximum employee count limitation, making it suitable for large employers looking to replace their fully-insured group health plans. That's where SureCo comes in — bridging the gap and accelerating the shift to more flexible and budget-certain employee healthcare. 

SureCo also emphasizes the predictability and cost control aspect of ICHRA plans, rather than just employee choice. 

SureCo Feature Overview

• Human Resources Information System (HRIS) and payroll system integrations — SureCo integrates directly and seamlessly with popular HRIS and payroll solutions for big businesses. 
• Migration and implementation assistance for large groups — SureCo comes with a dedicated staff to ensure a smooth enrollment process, as well as provide hands-on training and planning.
• Dedicated administration and support — Beat the challenges of ICHRA at scale with SureCo's ongoing support, including reporting, mid-year updates, compliance, and management. 

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7. Take Command 

Take Command is among the first HRA administration platforms in the market that support both ICHRA and QSEHRA. 

Use the cross-platform dashboard to quickly create reimbursement plans and manage approvals at the office or on your phone. You can also access Take Command's robust lineup of reporting tools, including employee enrollment, payroll, and more. 

Take Command Feature Overview

• Personalized plan shopping experience — Set up personalized health plan shopping experiences to help employees choose products that match their needs and budget. 
• AutoPay integration — Take Command comes with an AutoPay solution for automating insurance premium payments. 
• Dedicated employee enrollment team — Just focus on building custom reimbursement plans and let Take Command's enrollment team work on compliance documents, employee communication, and onboarding.

8. Gravie ICHRA

Gravie is a U.S.-based health insurance marketplace that also comes with an ICHRA marketplace solution.

It's more of a managed ICHRA administration service with a visual interface for plan customization and reporting. And as an employer, your primary responsibility is setting your maximum reimbursement allowances — Gravie will handle the rest.

Gravie ICHRA Feature Overview

• Managed ICHRA implementation — Gravie will walk you through the entire process of ICHRA rollout, from employee group identification to payment coordination.
• Plan window shopping — Easily find and compare ICHRA plans in your area through Gravie's proprietary ICHRA plan window shopping tool. 
• Extensive library of learning resources — Take advantage of Gravie's deep pool of resources and toolkits to make informed decisions on your ICHRA implementation. 

9. Zorro

Zorro is another benefits management platform that taps into the power of AI to help employers with benchmarking and modelling reimbursement allowances that fit their employees' needs. It also provides smart recommendations to help employees choose insurance products and qualified medical services. 

Despite its advanced features, Zorro manages to keep the software UI clean and intuitive. As such, it's a great platform if you're looking to utilize technology to empower your organization's healthcare.

Zorro Feature Overview

• Centralized and automated workflows — Zorro incorporates AI-powered automation into various stages of ICHRA implementation, from employee enrollment to financial reporting.
• AI-fortified security — The Zorro team takes pride in their SOC 2 Type II and HIPAA certifications, ensuring the privacy and security of sensitive employee data. 
• Plan optimization based on company objectives — When creating a plan with Zorro, tailor recommendations based on priorities like lowering costs, matching industry standards, and offering the best coverage for employees.

Conclusion

Remember, it's not just your legal obligation to provide your employees with health benefits. 

It's also an opportunity to gain a number of strategic advantages, like maximizing productivity and improving retention. And with ICHRA, you're also protecting your company against the ever-rising costs of healthcare, especially in the U.S. 

Any of the vendors above can help you reap the full benefits of ICHRA in future-proofing your employee healthcare. Just take your time and learn about an ICHRA vendor as much as possible before finalizing your decision. 

Curious to see what the future of ICHRA looks like? 

Click here to book your personal SimplyHRA demo today!