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The bottom line
A capable HRA option, but budget for base fees and at least three seats.
PeopleKeep covers HRA setup, employee onboarding, coverage shopping, expense submissions, compliance review, and several reimbursement methods. Its QSEHRA and ICHRA plans list $25 per employee monthly; GCHRA starts at $12. Each plan also has a monthly base fee, and billing requires at least three seats, including paid seats for account administrators.
It fits employers that want help administering an HRA, especially those with existing group coverage considering GCHRA. The pricing page does not publish annual rates, and QSEHRA cannot be paired with group health plans. Reddit evidence is limited: one employee describes submitting insurance documentation for reimbursement, while a commenter says a processing error should cause a delay, not erase the employer’s benefit obligation.
Good fit if
- Employers setting up an HRA
- Small employers considering QSEHRA
- Companies adding GCHRA to group coverage
Skip it if
- Employers seeking published annual pricing
- Businesses unwilling to pay base fees
- Companies offering group coverage with QSEHRA
ScoresHow it rates
What works
- Supports QSEHRA, ICHRA, and GCHRA
- Includes compliance review of reimbursement requests
- Employees can shop for coverage in their dashboard
- Offers several reimbursement methods
- Enrollment specialists help employees
What doesn't
- Three-seat minimum billing applies
- Account administrators also incur a seat fee
- Monthly base fees apply to every listed plan
- Annual prices are not published
- QSEHRA cannot be combined with group health plans
01What PeopleKeep actually does
PeopleKeep is HRA software for employers that want to offer flexible health benefits. Employers set the allowance, eligibility rules, waiting periods, and other plan details; employees can then submit eligible health expenses for reimbursement. The available arrangements include QSEHRA, CHOICE Arrangement, and GCHRA. The pricing page also lists ICHRA as a plan option.
The platform covers setup and ongoing administration. Employers can add employees, generate plan documents, and send benefit invitations. Employees can shop for insurance and ancillary coverage through their PeopleKeep dashboard, then submit expenses for reimbursement. PeopleKeep reviews requests for IRS compliance. Employers can reimburse employees through payroll, check, cash, or bank transfer.
In short, PeopleKeep handles the plan workflow and reimbursement review; it does not set the employer’s allowance or eligibility rules for them. Those choices remain part of the employer’s plan design.
02Where PeopleKeep is strong
The main advantage is that PeopleKeep supports different HRA setups rather than forcing every employer into one arrangement. QSEHRA is listed for employers with fewer than 50 employees, ICHRA for organizations of all sizes, and GCHRA for organizations that already have group coverage. The product information also lists CHOICE Arrangement among the arrangements it helps administer.
Employers can define allowances and eligibility, while employees get a dashboard for coverage shopping and expense submissions. PeopleKeep’s compliance review adds a review step before reimbursement, and employers can choose among payroll, check, cash, or bank transfer. That gives companies more than one way to fit reimbursements into their existing process.
One Reddit thread describes an employee choosing a marketplace plan, uploading documentation to PeopleKeep, and having the company notify the employer that the premium could be reimbursed. That account is consistent with the stated workflow, though it is one user’s description, not a guarantee of timing. A commenter in the thread said PeopleKeep acts as a third-party processor and that a processing error should not erase the employer’s benefit obligation. That may reassure employees, but employers still need to understand who handles each step.
03Where it falls short
The per-employee price is not the whole bill. The pricing page lists QSEHRA and ICHRA at $25 per employee per month, each with a $50 monthly base fee; GCHRA is $12 per employee per month with a $30 base fee. PeopleKeep also has a three-seat minimum, even when the employer has fewer employees, and account administrators incur a seat fee. That makes the published starting price of $12 a limited guide to the final bill.
There are plan restrictions to check before switching. QSEHRA is for employers with fewer than 50 employees and cannot be paired with a group health plan. GCHRA is for employers with existing group coverage. ICHRA has no charge for employees who opt out, according to the pricing details.
Annual QSEHRA subscriptions get a discount, but the rate is not published. Annual prices for the other plans are also not published. Monthly plans are charged at purchase and renew on the first of each month, and contracts are not prorated. The pricing material does not list a free trial.
04PeopleKeep pricing: what you'll actually pay
PeopleKeep lists GCHRA at $12 per employee per month, and QSEHRA and ICHRA at $25. The lower GCHRA rate comes with a $30 monthly base fee; QSEHRA and ICHRA have a $50 base fee. With the three-seat minimum, that makes the monthly floor $66 for GCHRA or $125 for QSEHRA and ICHRA, before any additional administrator seats. The jump from GCHRA to either $25 plan is $13 per employee, plus $20 more in base fees. These plans serve different setups: GCHRA adds to existing group coverage, while QSEHRA is for employers with fewer than 50 employees and cannot be combined with a group health plan. ICHRA is for organizations of all sizes and covers individual policies. Monthly plans are charged at purchase and renew on the first. QSEHRA has an annual discount, but its rate is not published; contracts are not prorated. The pricing data lists no free plan, and a free trial is not specified.
05Switching to (or from) PeopleKeep
Treat a move to or from PeopleKeep as a benefits-record transition, not just an employee import. Before switching, map your eligibility rules, allowances, plan documents, employee coverage details, submitted expenses and reimbursement status. Reconcile open reimbursements and confirm how you’ll preserve records before changing administrators; the published material does not explain PeopleKeep’s migration service or data-export formats. Ask PeopleKeep directly what it can export, in what format, and whether fees or timing constraints apply. If you are leaving, get those answers before ending access, and coordinate the handoff with whoever will administer the next arrangement. The same caution applies when moving in: confirm which records you need to provide and who handles any in-progress requests. We have no Reddit posts or comments in the published sources to support claims about why customers leave, so we can’t attribute switching complaints to users. The practical decision point is whether PeopleKeep can transfer the records your next administrator needs.
From the threadsWhat users say
The Reddit discussion is small and mostly cautiously positive: one employee likes the move from cost-sharing to an individual insurance option, while a commenter says a processing error should cause a delay rather than erase the employer’s benefit obligation. This is one thread, not broad evidence about PeopleKeep’s service quality.
Now this option sounds great for me b/c before this it was just a cost-sharing option with an HSA
It's a 3rd party processor
An error doesn't remove your employers obligation to provide you with agreed upon benefits
The absolute worst case should be a delay in payment; you should not be worried about not being reimbursed
Questions people ask
How does PeopleKeep work?
Employers use PeopleKeep to set up and administer health reimbursement arrangements, including allowances and eligibility rules. Employees can shop for insurance through their dashboard, then submit eligible expenses for reimbursement. PeopleKeep reviews requests for IRS compliance; employers can reimburse through payroll, check, cash, or bank transfer. Enrollment specialists can also help employees.
Is PeopleKeep an HRA?
PeopleKeep is HRA software, not the reimbursement arrangement itself. Employers can use it to design and administer arrangements such as QSEHRA, ICHRA (listed as CHOICE Arrangement in the product facts), and GCHRA. The employer sets plan details and allowances; employees submit eligible expenses under the arrangement.
Who is PeopleKeep?
PeopleKeep is a provider of HRA software for businesses offering flexible health benefits. Its product information says employers can use it to set allowances, eligibility, and plan details, while employees can shop for coverage and submit eligible expenses. The Reddit threads we read describes it as a third-party processor in an employee’s ICHRA setup.
Is PeopleKeep legitimate?
The published product information describes PeopleKeep as HRA software, and one Reddit thread discusses an employer using it to administer an ICHRA. A commenter says an error should not remove the employer’s obligation to provide agreed benefits, though payment could be delayed. That discussion is anecdotal and does not establish overall service reliability.
How much does PeopleKeep cost?
The pricing information lists GCHRA from $12 per employee monthly, plus a $30 monthly base fee. QSEHRA and ICHRA are $25 per employee monthly, each with a $50 monthly base fee. There is a three-seat minimum, and administrators also incur a seat fee. Annual prices are not published.