Considering ICHRA? Here are 6 ICHRA Providers to Know About for 2026
ICHRA has revolutionized the world of health care. From tax benefits and budget control to personalized choice for employees, it’s a win-win-win.
But how do you get the most from what ICHRA has to offer? Where do you start when you’re researching top ICHRA administrators?
This guide walks you through the basics and gives you a jump start on research by sharing 6 ICHRA providers to know about for 2026.
In this article
What is ICHRA?
ICHRA stands for Individual Coverage Health Reimbursement Arrangement. It’s a new-ish (and easier) health benefits solution that lets employers reimburse employees tax-free for health insurance premiums and eligible medical expenses.
ICHRA was launched in January 2020 through federal law. Take Command was the only ICHRA provider asked to advise on the legislation and attend the launch. We’re pretty proud of that!
As a Health Reimbursement Arrangement offering, ICHRA represents a really big shift in how employers can offer health benefits. Instead of purchasing and managing a traditional group health insurance policy or having a self-funded plan, businesses can give a monthly allowance, and employees use those funds to buy the individual health coverage that is best for them and their family.
ICHRA benefits
There are a lot of ICHRA benefits; here are a few of our favorites.
- Budget control
- Personalized plan choices for employees
- Simple, flexible plan designs
- No employer responsibility for health risks
- No participation concerns
- Only with Take Command: In-house support and enrollment teams
What does an ICHRA provider do?
An ICHRA administrator is like an architect for health benefits. Just like an architect designs buildings that meet the needs, budget, and vision of their client, and an ICHRA administrator builds and manages your ICHRA plan to fit the unique goals of your company and employees.
ICHRA administrators also create your health benefits blueprint, including plan design, compliance, and administration. For employees, this “architecture” provides a strong foundation that supports freedom of choice in their health coverage.
Top HRA carriers for employers and employees
The best ICHRA provider is the one you can trust. (Now might be a good time to tell you that more large employers choose Take Command over any other ICHRA vendor in the country.)
Employers and employees both have needs when moving to ICHRA, and your vendor should be able to serve them both.
ICHRA benefits for employers
- Manage behind-the-scenes processes
- Verify employees’ health plan enrollment
- Handle reimbursement requests
- Ensure compliance with IRS and Department of Labor regulations
- Keep accurate records for tax purposes
- Reduce HR’s administrative burden
- Protect the company from compliance risks
ICHRA benefits for employees
- Provide support during ICHRA adoption
- Offer guidance in choosing a qualifying health plan
- Educate about how to submit expenses correctly
- Create a seamless, trustworthy experience
6 ICHRA administrators to know about for 2026
As ICHRA has gained in popularity, more and more vendors are coming to the table. The ICHRA rules remain the same no matter who you go with, but the service and support changes with each provider, so be sure to vet providers before you choose one.
| Invited to White House for ICHRA Launch | Highest Number of Companies on HRA Platform | More choices than Healthcare.gov | Offers ICHRA Administration | Offers QSHERA Administration | Works with Brokers | Hands-on enrollment support | |
| Take Command | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Gravie | ✓ | ✓ | ✓ | ||||
| PeopleKeep | ✓ | ✓ | ✓ | ||||
| Remodel Health | ✓ | ✓ | |||||
| Thatch | ✓ | ✓ | ✓ | ||||
| Venteur | ✓ | ✓ | ✓ |
Take Command
Take Command was founded in 2014 by Jack Hooper and is headquartered in Dallas, TX. We are on a mission to improve the healthcare system, and we stand out among ICHRA vendors as the first-to-market leader.
Our pioneering experience makes us uniquely qualified to administer HRAs for small businesses, large employers, and enterprise companies. And we’re one of the only HRA vendors who specializes in ICHRA.
Find out why Take Command is the best ICHRA provider
> Why Choose Take Command
Gravie
Gravie was founded in 2013 by Abir Sen with co-founders Jill Prevost and Marek Ciolko and is headquartered in Minneapolis, MN. Gravie focuses on health benefits for small and midsize businesses.
PeopleKeep and Remodel Health
PeopleKeep was founded in 2006 by Rick Lindquist and focuses on HRAs for small businesses. Remodel Health was founded in 2015 by Scott Lingle and Justin Clements and focuses on ICHRAs for enterprises. PeopleKeep was acquired by Remodel Health in 2024; both companies are headquartered in Indianapolis, IN.
Thatch
Thatch was founded in 2021 by Chris Ellis and Adam Stevenson and is headquartered in San Francisco, CA. They focus on personalized healthcare experiences.
Venteur
Venteur was founded in 2021 by siblings Stacy and Tim Edgar, and they are headquartered in San Francisco, CA. They focus on a new way to approach insurance.
Why choose Take Command as your ICHRA provider
Come for the savings, stay for the experience
Why is Take Command the best? Well, how much time do you have? (just kidding, we’ll get to the point.)
There is no company that compares to Take Command. We know the ins and outs of HRAs and can help you maximize your benefits. We’ll also make sure your plan is perfectly designed, you’re in compliance, and your employees get the best service around.
OG provider
Take Command wrote the book on ICHRA, and we’ve been pioneering ever since. Our teams are deeply knowledgeable, and we’ve thought through everything (so you don’t have to.)
Specific offerings for businesses
One size does not fit all. That’s why we’ve carefully designed HRA offerings for small businesses, large employers, and enterprise companies.
HRIS solutions
We’ve carefully designed this process to be streamlined and simple. Our commitment to high standards of excellence and data integrity supports the inherent sensitivity of roster data.
Strong carrier partnerships
We have the strongest insurance carrier partnerships in the nation. That means you get the most efficient plan management and a direct line to your carriers.
Customer experience
Your HR team and employees will enjoy working with Take Command. We have robust customer care teams that include ICHRA specialists, customer success managers, and employee advocates who are always in your corner. This includes the ability to work with the insurance carrier on behalf of the employee.
Unlimited support
Our passion is to make health benefits easy for you and your employees. So we offer unlimited support from the minute you sign on to Take Command.
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