Best ICHRA companies & administrators: what they actually charge

What does each ICHRA administrator charge?

• StretchDollar — $100 per month platform fee plus $25 per participating employee per month, confirmed current on their homepage and product pages as of August 31. No setup fee, no contract, built explicitly for 1–50 employees. Note: a few of StretchDollar's own older pages (help center, one pricing FAQ) still show earlier rates — 'free' and $40 plus $8 — from before their pricing changed. The current figures are $100 plus $25, and independent 2026 reviews agree.
• Take Command — $40 per month platform fee plus $25 per employee per month for 1–49 employees, per their own 2026 pricing guide; a January 2026 post on their own site says per-employee pricing starts at $20, so expect a quote between $20 and $25 PEPM. No setup fees; custom pricing at 50 or more. Licensed insurance agency, NPN 19565995, licensed in all 50 states and DC.
• PeopleKeep (a Remodel Health company) — $25 per employee per month plus a $50 monthly base fee for ICHRA, as read off their pricing page on August 18; current third-party listings showing a $125-per-month minimum are consistent with that (three-seat minimum billed even for one or two employees). QSEHRA is priced the same; GCHRA is $12 plus $30. Acquired by Remodel Health in February 2024.
• Thatch — last published rate: $45 per enrolled employee per month for 1–49, plus a compliance fee starting at $25 per month, plus an unpublished minimum fee (read off their pricing page August 18). As of August 31, current comparison sources list Thatch as quote-only — their public pricing appears to have been pulled, so confirm directly. Note the unit: per enrolled, not per eligible, employee. Licensed via Thatch Health Insurance Services LLC, NPN 20782309, 50 states and DC.
• Remodel Health — pricing not published. Their flagship ICHRA+ is described on their own site as variable PEPM, including variable broker compensation. Their small-business pricing runs through PeopleKeep, above. In-house licensed benefits advisors, including Medicare enrollment specialists.
• Zorro — pricing not published. Available only through a demo or quote request. SOC 2 Type II and HIPAA certified, with payroll integrations and virtual payment cards. Their site is myzorro.co; joinzorro.com is a parked domain and is not the company.
• Venteur — no longer operating. Venteur wound down in 2026 and its employers, employees, and brokers transitioned to Thatch in April 2026. Several comparison pages still recommend it. If you are reading a list that includes Venteur, that list is out of date.

What changed between our August 18 and August 31 checks

Which ICHRA administrator fits which employer?

• Under 10 employees and you want a published price: StretchDollar ($100 plus $25 PEPM, no contract) or PeopleKeep ($25 plus $50, three-seat minimum). Both let you compute your bill without a sales call.
• One or two employees: StretchDollar starts at one. PeopleKeep's three-seat minimum means you pay for three.
• Distributed workforce across many states: Take Command and Thatch both hold licences in all 50 states and DC.
• Payroll-integrated and automation-heavy: Thatch, for payroll integration, premium autopay, and a healthcare debit card. These are genuinely capabilities a small broker cannot replicate.
• You want a staffed service bench: Remodel Health, with Launch Coordinators, Benefits Advisors, Account Managers, and licensed Medicare enrollment support.
• Enterprise with security review requirements: Zorro, SOC 2 Type II and HIPAA certified. Expect a sales process to get a number.
• Growing past 50 employees: avoid StretchDollar, which is built exclusively for under 50, or you will migrate. Take Command, Thatch, Remodel Health and Zorro all have upmarket paths.

What do ICHRA companies actually do?

• Set up a compliant plan document and the required employee notices.
• Verify (substantiate) that employees have qualifying individual coverage.
• Process tax-free reimbursements, often integrated with payroll.
• Provide a portal for employees to enroll and submit expenses.
• Keep records for audits, renewals, and annual re-verification.

How to read ICHRA pricing honestly

• PEPM is not one thing. Some administrators charge per eligible employee, some per enrolled or participating employee. On a 40-person company where 22 enroll, that difference is nearly half the bill.
• The platform fee is where small groups get hurt. A $100 per month base fee on five employees is $20 per employee before the PEPM. The same fee on fifty employees is $2.
• Ask about the minimum. Thatch publishes that a minimum fee exists but not what it is. PeopleKeep charges for three seats regardless.
• Variable PEPM including broker compensation means your broker's pay is inside the admin fee. That is not automatically bad, but you should know it, and know what it is.
• Setup fees are mostly gone. Take Command and StretchDollar both publish no setup fee.

Questions to ask before you sign

• Is the PEPM per eligible employee or per enrolled employee?
• What is the monthly platform or base fee, and is there a minimum?
• Is there a setup or onboarding fee?
• Who talks to my employees during enrollment — a licensed agent, or a help centre?
• Are you licensed in every state where my employees live?
• What happens at renewal, and is coverage re-verified automatically?
• If I use my own broker, do they stay broker of record?

Where does an independent broker fit?