Insurf vs. PeopleKeep.
PeopleKeep is Remodel Health's small-business HRA administration software line — QSEHRA, ICHRA, and GCHRA self-serve tools with roots back to 2006 (as Zane Benefits) and, by its own account, the first cloud QSEHRA platform (2016) and first-to-market ICHRA solution (October 2019).
Every PeopleKeep fact on this page is from their own published pages as of August 28, 2026, quoted and linked. If something has changed, tell us and we will correct it the same week.
Where PeopleKeep is strong.
A comparison you can trust has to be honest in both directions. These are real advantages, plainly stated.
QSEHRA depth and self-serve maturity that is genuinely hard to match: instant plan documents and SPD at signup, an annual QSEHRA data report published every year since the benefit existed, and two decades of operating history.
Nationwide, at real scale: fifty states served, with published stats of $40M+ in reimbursements processed and 200,000+ expenses reviewed — against Insurf's sixteen published pricing states.
Transparent published pricing and an education library most of the category leans on: exact per-employee and base fees on the pricing page, a no-surprise-fees FAQ, and a multi-year award-winning support team.
Pricing, as published.
PeopleKeep
Published: QSEHRA at $25 per employee per month plus a $50 monthly base fee; ICHRA starting at $25 per employee per month plus a $50 monthly base fee, with no charge for opted-out employees. The billing basis, per their own FAQ: a seat fee for each enrolled employee, a three-seat minimum even below three employees, and a seat fee for account administrators regardless of eligibility.
Source, August 28, 2026Insurf
A flat per-employee platform fee, quoted in writing before you sign — and the savings audit is free before any commitment. We never hold plan funds; reimbursements run through your own payroll.
How our numbers are computedAfter enrollment, in their own words.
The question that separates ICHRA platforms is not the enrollment flow — it is what the platform is still responsible for in March.
“The Documentation Reviewer will make recommendations to the Plan Administrator regarding the reimbursement of health care expenses from the Plan to Eligible Employees, but the final decision on each recommendation will be made by the Plan Administrator. … The Plan Administrator agrees to indemnify and hold the Documentation Reviewer harmless against any and all loss, liability, or damage … for disputes arising out of partial payment or denial of a claim”
That is Exhibit B of the PeopleKeep Services Agreement, published on PeopleKeep's own app domain (as of August 28, 2026): PeopleKeep recommends, the employer makes every final reimbursement decision — and indemnifies PeopleKeep for disputes over denials. It governs the HRA's own reimbursements. For insurance-carrier claim denials, PeopleKeep's published guidance is a consumer self-help appeal guide that ends by pointing members to an insurance attorney, a consumer advocacy organization, or their state's Consumer Assistance Program.
What Insurf does differently.
What the software computes. PeopleKeep administers the allowance you choose; Insurf's engine computes the allowance — and each employee's twelve-month cost across 15,062 filed plan variants, drugs at their actual tiers, with the arithmetic published at /methodology/pricing.
When a carrier says no. PeopleKeep's published answer to a denied insurance claim is a self-help guide that ends at outside help; Insurf's denial support is a clinical appeals engine that prepares source-cited appeal packets.
The billing shape. PeopleKeep bills per enrolled seat plus a base fee, with a three-seat minimum and billable admin seats; Insurf quotes one flat per-employee fee in writing before signature, and the audit is free either way.
Decision accountability. Under PeopleKeep's own services agreement, the employer makes the final call on every reimbursement and indemnifies PeopleKeep for denial disputes. Insurf's posture is the opposite instinct: publish the math, sign the enrollment through a licensed producer, and keep the receipts checkable.
The questions companies comparing us to PeopleKeep ask.
Is PeopleKeep cheaper than Insurf?
PeopleKeep publishes QSEHRA at $25 per employee per month plus a $50 base fee, and ICHRA starting at $25 plus the $50 base (as of August 28, 2026) — commendably transparent, with a three-seat minimum and billable admin seats as the fine print. Insurf's flat per-employee fee is quoted in writing before you sign. Compare both in writing for your actual headcount — and run the free audit first, because plan-choice math moves far more money than the fee delta.
Does PeopleKeep help with denied insurance claims?
Its published materials describe compliance review of HRA reimbursement requests — with the employer making every final decision under the services agreement — and, for insurance-carrier denials, a self-help blog guide that ultimately points members to an insurance attorney, a consumer advocacy organization, or their state's Consumer Assistance Program (as of August 28, 2026). Insurf's denial support is a clinical appeals engine that prepares source-cited appeal packets.
What is the relationship between PeopleKeep and Remodel Health?
Remodel Health acquired PeopleKeep in February 2024; PeopleKeep is now its small-business product line, with ICHRA+ by Remodel Health positioned for larger employers. If you are comparing either, the same free audit applies: your roster, every filed plan in your county, the whole-year arithmetic.
The fairest comparison is your own roster.
Competitor names and marks belong to their owners; Insurf is not affiliated with or endorsed by PeopleKeep. Competitor facts reflect their published pages as of August 28, 2026 and may have changed — corrections are welcome and made promptly. Insurf, Inc. is not a licensed insurance agency, does not sell insurance, and receives no commissions; enrollment applications are submitted by an individually licensed insurance producer. This page is an educational comparison — not an offer of coverage, not a recommendation to buy or drop any plan, and not financial, tax, legal, medical, coverage, or insurance advice. Projections are labeled and are not guarantees.