Remodel Health

What Remodel Health does

Remodel Health, founded in 2015 and headquartered in Indianapolis, Indiana (operating as LINC Holdings LLC, dba Remodel Health), is the largest and only profitable U.S. administrator of Individual Coverage Health Reimbursement Arrangements (ICHRAs). The company serves employers seeking to replace traditional fully-insured or self-funded group health plans with a defined-contribution model, providing both enterprise solutions (ICHRA+) for organizations with 50+ employees and SMB solutions (PeopleKeep, acquired in February 2024) for employers with under 50 employees. Across both product lines, Remodel Health administers plan design, employee onboarding, individual-market shopping, premium payment, and compliance reporting.

The company's core technology is the ICHRA+® platform, which combines an automated premium payment engine (AutoPay) — moving employer contributions through a Remodel Health FMO holding account into individual FDIC-insured employee accounts and paying carriers directly with 99%+ accuracy and overdraft protection — with native integrations to 200+ payroll and HRIS systems (ADP, Paylocity, UKG, Dayforce, Workday, Finch). The platform supports 11 job-based employee classes, age banding (up to 3:1), and family status customization, and is HITRUST CSF, SOC 2 Type II, and HIPAA certified. A white-glove human service layer (Launch Coordinators, Benefits Advisors, Customer Success Representatives, in-house Medicare specialists) augments the technology.

Remodel Health's revenue model is predominantly subscription-based recurring revenue from full-service ICHRA+ administration for enterprises and software-led HRA administration for SMBs via PeopleKeep, with embedded implementation and account management services. Distribution is hybrid: a direct enterprise field sales team complemented by a flagship broker channel (Marsh McLennan, Gallagher, Brown & Brown, NFP, Lockton, McGohan Brabender, USI, Alera Group) and embedded HRIS marketplace integrations. Customers include healthcare systems, senior living networks, manufacturing firms, higher education institutions, faith-based organizations, and nonprofits across all 50 U.S. states.

Name

Remodel Health

Legal name

LINC Holdings LLC

Website

https://remodelhealth.com

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

101–250 employees

Short description

Remodel Health is the largest U.S. ICHRA administrator, providing full-service Individual Coverage Health Reimbursement Arrangement software and services to enterprise employers via ICHRA+ and to small businesses via PeopleKeep, distributed through a broker channel and 200+ HRIS integrations.

Ownership category

akta.pro rank

Product category

Health Benefits Administration Software

NAICS

Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292), Health and Welfare Funds (525120), Other Insurance Funds (525190)

SIC

Accident & Health Insurance (6321), Hospital & Medical Service Plans (6324), Life Insurance (6311)

akta.pro primary industry

Employer Health Reimbursement Arrangements (HRA/ICHRA/QSEHRA) Administration (HLAEAAAG)

akta.pro secondary industry

Flexible Benefits Administration (FSA/HSA/HRA) (HLAEALAK)

Keywords

• ICHRA administration
• HRA management software
• Health benefits platform
• Employer benefits administration
• Benefits compliance software

Headquarters

HQ city

Indianapolis

HQ country

United States

HQ region

North America

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. ICHRA+ Administration Subscription (Enterprise): Recurring revenue from full-service ICHRA administration for large and enterprise employers (50+ employees). Remodel Health is described as the 'largest ICHRA provider by ARR' (annual recurring revenue). Service includes plan design, white-glove support, AutoPay premium payments, compliance management, and integrations with 200+ payroll/HRIS systems. Priced quote-based.
2. PeopleKeep HRA Administration (SMB): Recurring revenue from PeopleKeep — Remodel Health's SMB product for organizations with fewer than 50 employees. Software-led administration of QSEHRA, ICHRA, and GCHRA via a more self-serve, reimbursement-based model with paid plans. Targeted at small businesses and startups.
3. Implementation & Professional Services (Embedded): White-glove implementation and ongoing account management services bundled into the ICHRA+ subscription, including Launch Coordinators, Benefit Advisors, on-site employee education, and custom communications. Distinct service tier for enterprise clients.
4. Broker Channel Revenue: Revenue driven through broker and agent partnerships, where national brokerages (Marsh McLennan, Gallagher, NFP, Brown & Brown, Lockton, etc.) bring employer clients to Remodel Health for ICHRA administration services.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels11 records

Core offering

Remodel Health administers Individual Coverage Health Reimbursement Arrangements (ICHRAs) for employers through its ICHRA+® SaaS platform, providing plan design, white-glove onboarding, automated premium payments to carriers (AutoPay), compliance management, and integrations with 200+ payroll and HRIS systems. Its PeopleKeep sub-brand delivers QSEHRA, ICHRA, and GCHRA administration software for small businesses under 50 employees. The combined offering targets enterprise and SMB employers seeking to replace traditional group health insurance with a defined-contribution, individual-market model.

Product overview

Remodel Health is an ICHRA (Individual Coverage Health Reimbursement Arrangement) administration specialist organized as a platform-plus-modules portfolio rather than a single product. Its flagship offering is ICHRA+, the white-glove, full-service ICHRA administration platform for large and enterprise employers, which includes the AutoPay-based ICHRA Payments module, payroll/HRIS integration with 200+ systems, white-glove service teams, and compliance support. PeopleKeep by Remodel Health is a sub-brand serving small businesses (under 50 FTEs) with QSEHRA, ICHRA, and GCHRA administration on a reimbursement model. Supporting products and programs include ICHRA Academy (education), the AIM Conference (annual industry event), and the ICHRA Exclusive Podcast, together covering the full employer size spectrum from small business through enterprise.

Differentiator

Problem solved

Functional benefit

Brands

• ICHRA+: Remodel Health's flagship full-service ICHRA administration platform for large and enterprise businesses, featuring white-glove service, automated premium payments (AutoPay), and 200+ HRIS/payroll integrations.
• PeopleKeep

Products and services

• ICHRA+ Full-service ICHRA (Individual Coverage Health Reimbursement Arrangement) administration SaaS platform for large and enterprise employers (50+ employees), providing white-glove service, custom HRA design, employee shopping guidance, automated premium payments (AutoPay) directly to carriers, payroll/HRIS integration with 200+ systems, and compliance/reporting tooling.
• PeopleKeep HRA administration software product line for small businesses with fewer than 50 full-time equivalent employees, offering QSEHRA, ICHRA, and GCHRA administration through a reimbursement-based, self-service software model with paid plans.

Quantifiable outcome

• 100,000+ members served across all 50 states
• +11 more outcomes

Named customers15 records

Segments10 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration12 records

Feature9 records

Partnerships

21 partnerships are on record, tiered flagship, core and minor.

• PaylocityflagshipTechnology or Integration · 25 May 2026Remodel Health, an individual coverage health reimbursement arrangement (ICHRA) provider, announced a new integration with Paylocity's Integration Marketplace in May 2026. The integration links Remodel Health's benefits platform with Paylocity's payroll and HR system to automate data syncing for eligibility, enrollment, and contributions — reducing manual processes and improving data integrity for employers using the platform.
• UKGflagshipTechnology or Integration · 13 January 2026Remodel Health announced a new technology partnership with UKG in January 2026 to enhance ICHRA administration through an integrated data sync platform. The collaboration automates employee data management, reducing manual effort and errors for employers using both UKG and Remodel Health systems. UKG is referenced as one of Remodel Health's named HRIS integration partners (alongside ADP, Paylocity, Dayforce).
• ADPcoreTechnology or IntegrationADP is one of the top payroll/HRIS integration partners featured on Remodel Health's website and Payments page. Remodel Health's payment process integrates with ADP and more than 200 payroll/HRIS systems to simplify premium payment workflows.
• DayforcecoreTechnology or IntegrationDayforce (formerly Ceridian) is one of the top payroll/HRIS integration partners featured on Remodel Health's Payments page alongside ADP, UKG, and Paylocity. The partnership automates payroll deduction reports and ICHRA payment workflows.
• WorkdaycoreTechnology or IntegrationWorkday is listed among Remodel Health's 200+ HRIS platform integrations on the enterprise page, supporting automated data syncing for eligibility, enrollment, and contributions.
• Marsh McLennanflagshipChannel Partner/ Reseller/ DistributorMarsh McLennan is one of the leading nationwide brokerages 'trusted by' Remodel Health. As a major broker channel partner, Marsh McLennan brings employer clients to Remodel Health for ICHRA administration.
• GallagherflagshipChannel Partner/ Reseller/ DistributorGallagher is one of the leading nationwide brokerages 'trusted by' Remodel Health. The logo appears on the ICHRA for brokers page alongside other major brokerage partners.
• Brown & BrowncoreChannel Partner/ Reseller/ DistributorBrown & Brown is one of the leading nationwide brokerages 'trusted by' Remodel Health for ICHRA administration services.
• NFPflagshipChannel Partner/ Reseller/ DistributorNFP is one of the leading nationwide brokerages 'trusted by' Remodel Health. The site references Corporate Benefits Consultant Jon Weaver from NFP praising Remodel Health's service responsiveness.
• LocktonflagshipChannel Partner/ Reseller/ DistributorLockton is one of the leading nationwide brokerages 'trusted by' Remodel Health, prominently displayed on the brokers page.
• McGohan BrabendercoreChannel Partner/ Reseller/ DistributorMcGohan Brabender is one of the leading nationwide brokerages 'trusted by' Remodel Health for ICHRA administration.
• USIcoreChannel Partner/ Reseller/ DistributorUSI is one of the leading nationwide brokerages 'trusted by' Remodel Health for ICHRA administration.
• Alera GroupcoreChannel Partner/ Reseller/ DistributorAlera Group is one of the leading nationwide brokerages 'trusted by' Remodel Health for ICHRA administration.
• TeladoccoreStrategic or Co-development PartnerTeladoc's telehealth platform is offered as a benefit available to Remodel Health customers at no cost, providing 24/7 access to licensed doctors, therapists, and specialists. Teladoc was founded in 2002 and serves over 50 million members worldwide.
• Oscar HealthcoreStrategic or Co-development PartnerOscar Insurance is one of the major insurance carrier logos on Remodel Health's homepage. Remodel Health and Oscar Health partnered on the 2026 Ohio ICHRA Landscape Report (April 2026) showing how Remodel Health customers used their ICHRA in 2025.
• UnitedHealthcarecoreStrategic or Co-development PartnerUnitedHealthcare is one of the major insurance carriers shown as a logo partner on Remodel Health's homepage. Remodel Health's platform pays individual health insurance premiums to carriers including UnitedHealthcare via AutoPay.
• Blue Cross Blue ShieldcoreStrategic or Co-development PartnerBlue Cross Blue Shield is one of the major insurance carriers shown as a logo partner on Remodel Health's homepage. Carriers like BCBS receive automated premium payments from Remodel Health's platform.
• Kaiser PermanentecoreStrategic or Co-development PartnerKaiser Permanente is one of the major insurance carriers shown as a logo partner on Remodel Health's homepage. Carriers like Kaiser receive automated premium payments from Remodel Health's platform.
• AmbetterminorStrategic or Co-development PartnerAmbetter is one of the insurance carriers shown as a logo partner on Remodel Health's homepage, available to employees shopping for individual health plans.
• CareSourceminorStrategic or Co-development PartnerCareSource is one of the insurance carriers shown as a logo partner on Remodel Health's homepage, available to employees shopping for individual health plans.
• HCSC (Health Care Service Corporation)minorStrategic or Co-development PartnerHCSC is one of the insurance carriers shown as a logo partner on Remodel Health's homepage, available to employees shopping for individual health plans.

Scale indicators13 records

Recent moves7 records

Expansion highlights6 records

Broad incumbents

• Gusto: Gusto is a payroll, HR, and benefits platform serving small and mid-market employers; while not ICHRA-native, it competes for the same employer benefits wallet and could expand into ICHRA administration.
• Justworks: Justworks is a PEO/HR platform offering health benefits administration to small and mid-market employers, providing an alternative pathway to benefits that overlaps with Remodel Health's ICHRA value proposition.
• Paylocity: Paylocity is a major payroll/HRIS platform whose Integration Marketplace now hosts Remodel Health — a flagship distribution partner. As a broad incumbent, Paylocity could expand its own ICHRA capabilities and reshape Remodel Health's go-to-market.
• ADP TotalSource / ADP Workforce Now: ADP is the largest payroll/HRIS incumbent and a named Remodel Health integration partner; its scale, employer relationships, and potential to launch native ICHRA features make it both a distribution channel and a long-term competitive threat.

Direct peers

• StretchDollar: StretchDollar is a direct ICHRA administration competitor targeting small businesses with a software-led, self-serve model — comparable to PeopleKeep's SMB offering.
• Take Command Health: Take Command Health is one of the largest direct competitors to Remodel Health in ICHRA administration, serving employers with a similar full-service model including plan design, payments, and compliance tooling.
• BenefitHub: BenefitHub offers a broad employee benefits and voluntary benefits platform with HRA-administration capabilities that intersect with Remodel Health's ICHRA offering for employer clients.
• Thatch: Thatch is an emerging ICHRA-focused benefits platform offering individual health reimbursement administration with a modern software experience, directly competing in the same SMB and emerging-mid-market ICHRA category.
• PeopleKeep: PeopleKeep is Remodel Health's own SMB-focused sub-brand for HRA administration (QSEHRA, ICHRA, GCHRA) for under-50-employee businesses, originally launched as Zane Benefits and acquired by Remodel Health in February 2024.
• Venteur: Venteur is an ICHRA administration provider focused on employer-sponsored individual coverage, competing with Remodel Health on plan design, enrollment, and premium payment workflows.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights8 records

Customer concentration

• Xx.com/Remodel_Health
• Facebookfacebook.com/remodelhealth
• LinkedInlinkedin.com/company/remodel-health-llc

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Subsidiaries1 record

Funding overview

Funding rounds2 records

Investors2 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Remodel Health