Put Affordable Care Act compliance on autopilot

Hands-off ACA compliance support so you can run your business with peace of mind. Full protection, fully managed.

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For employers who want better...

  • Home Care Agencies
  • Restaurants
  • Transportation
  • Non-Profits
  • Manufacturing
  • Hospitals
  • Startups
  • Childcares
  • Government
  • Home Cares

we deliver better.

With Vitable's Primary Care, we’ve been able to provide our employees and 1099 contractors with access to high-quality, affordable care. The flexibility of the plan, including the ability to add dependents at no additional cost, made it a competitive advantage as we work to attract and retain top talent.

Redwood Literacy

Jillian Patten, Director of Partnerships

We looked at a few ICHRA providers, and the pricing was pretty comparable. But what really made Vitable stand out was Vitable’s Primary Care product. Many of our caregivers wouldn’t use traditional insurance even if we offered it. So having something we could give them that they’d actually use—that was a big deal.

Always Neighbors, LLC

Kyle Taylor, Director of Operations

As a small business owner, offering quality health benefits was critical to staying competitive in hiring and retention. Vitable stood out for its affordability, and it offered trust and credibility over traditional brokers. It’s been one of the smartest investments we've made for our employees and our business.

SYNERGY HomeCare

Ken Gregson, Owner

Vitable’s VPC + ICHRA solution is truly the gold standard in virtual care. This seamless integration makes it feel like a group plan, but with the added advantage of personal choice. For a startup like ours, it’s the ideal solution—it supports both our mission and helps us attract top talent.

HerMD Health

Mariko Miyamoto, HR Leader

Vitable was such a great thing to bring to the table. Because of Vitable, we can finally put that we have comprehensive health benefits that employees will love. Which made a huge difference in hiring and retention.

Philadelphia Catering Company

President - Philadelphia Catering Co.

Vitable has allowed us to provide affordable care to our employees, which helped us to recruit more caregivers. Being able to go out and tell recruits they'll have health coverage really catches their interest.

American Safety Options

HR - American Safety Options

To be able to offer that type of service. It's worth its weight in gold. I really appreciate our partnership and the benefit you are to the school. I really do want this company to grow and be around for a long time. The quality of healthcare is far surpassing any other healthcare you might want.

Somerset Academy

CEO - Somerset Academy

With Vitable's Primary Care, we’ve been able to provide our employees and 1099 contractors with access to high-quality, affordable care. The flexibility of the plan, including the ability to add dependents at no additional cost, made it a competitive advantage as we work to attract and retain top talent.

Redwood Literacy

Jillian Patten, Director of Partnerships

We looked at a few ICHRA providers, and the pricing was pretty comparable. But what really made Vitable stand out was Vitable’s Primary Care product. Many of our caregivers wouldn’t use traditional insurance even if we offered it. So having something we could give them that they’d actually use—that was a big deal.

Always Neighbors, LLC

Kyle Taylor, Director of Operations

As a small business owner, offering quality health benefits was critical to staying competitive in hiring and retention. Vitable stood out for its affordability, and it offered trust and credibility over traditional brokers. It’s been one of the smartest investments we've made for our employees and our business.

SYNERGY HomeCare

Ken Gregson, Owner

Vitable’s VPC + ICHRA solution is truly the gold standard in virtual care. This seamless integration makes it feel like a group plan, but with the added advantage of personal choice. For a startup like ours, it’s the ideal solution—it supports both our mission and helps us attract top talent.

HerMD Health

Mariko Miyamoto, HR Leader

Vitable was such a great thing to bring to the table. Because of Vitable, we can finally put that we have comprehensive health benefits that employees will love. Which made a huge difference in hiring and retention.

Philadelphia Catering Company

President - Philadelphia Catering Co.

Vitable has allowed us to provide affordable care to our employees, which helped us to recruit more caregivers. Being able to go out and tell recruits they'll have health coverage really catches their interest.

American Safety Options

HR - American Safety Options

To be able to offer that type of service. It's worth its weight in gold. I really appreciate our partnership and the benefit you are to the school. I really do want this company to grow and be around for a long time. The quality of healthcare is far surpassing any other healthcare you might want.

Somerset Academy

CEO - Somerset Academy

With Vitable's Primary Care, we’ve been able to provide our employees and 1099 contractors with access to high-quality, affordable care. The flexibility of the plan, including the ability to add dependents at no additional cost, made it a competitive advantage as we work to attract and retain top talent.

Redwood Literacy

Jillian Patten, Director of Partnerships

We looked at a few ICHRA providers, and the pricing was pretty comparable. But what really made Vitable stand out was Vitable’s Primary Care product. Many of our caregivers wouldn’t use traditional insurance even if we offered it. So having something we could give them that they’d actually use—that was a big deal.

Always Neighbors, LLC

Kyle Taylor, Director of Operations

As a small business owner, offering quality health benefits was critical to staying competitive in hiring and retention. Vitable stood out for its affordability, and it offered trust and credibility over traditional brokers. It’s been one of the smartest investments we've made for our employees and our business.

SYNERGY HomeCare

Ken Gregson, Owner

Vitable’s VPC + ICHRA solution is truly the gold standard in virtual care. This seamless integration makes it feel like a group plan, but with the added advantage of personal choice. For a startup like ours, it’s the ideal solution—it supports both our mission and helps us attract top talent.

HerMD Health

Mariko Miyamoto, HR Leader

I’ve worked with benefits groups for years, and this was the smoothest rollout I’ve ever been a part of. I didn’t have to think about it for a second.

Susan L.

Employer

I always avoided going to see a doctor because I didn't have the money or time. But getting Vitable has really helped me to put my health first. Thank you!

Natalie B.

Member

Vitable was such a great thing to bring to the table. Because of Vitable, we can finally put that we have comprehensive health benefits that employees will love. Which made a huge difference in hiring and retention.

Philadelphia Catering Company

President - Philadelphia Catering Co.

Vitable has allowed us to provide affordable care to our employees, which helped us to recruit more caregivers. Being able to go out and tell recruits they'll have health coverage really catches their interest.

American Safety Options

HR - American Safety Options

I love how well the providers listen! They never judge and always help support me in my health journey! I appreciate them, and if they see this thank you a ton!

Sharon D.

Sharon D., Member

My mental health visit was amazing. She was so easy to talk to and made me feel great about myself once it was over. I can't wait to meet with her again next week!

Tina R.

Tina R., Member

My provider was very friendly, kind, and super thorough. You can tell she really cares about what she does and supports her patients to the best of her abilities.

Martin B

Martin B., Member

To be able to offer that type of service. It's worth its weight in gold. I really appreciate our partnership and the benefit you are to the school. I really do want this company to grow and be around for a long time. The quality of healthcare is far surpassing any other healthcare you might want.

Somerset Academy

CEO - Somerset Academy

I always avoided going to see a doctor because I didn't have the money or time. But getting Vitable has really helped me to put my health first. Thank you!

Natalie B.

Natalie B., Member

The Vitable team is incredibly friendly, communicative, and supportive. The entire staff is very reliable. I've never had a situation where there was an issue I couldn't resolve.

Kyle S.

Broker Partner

The new standard 
of health benefits

We believe healthcare should work better—for everyone. But for far too long, it hasn’t. Vitable sets a new standard by building health benefits that are easier to use, easier to offer, and actually deliver a better way to support teams and build thriving workplaces

Dealing with health benefits can be overwhelming, especially for businesses that are already stretched thin. With Vitable, employers can manage benefit administration effortlessly. Our platform streamlines processes, reduces paperwork, and gives you more time in your day.
Healthcare regulations can be overwhelming, especially for busy teams juggling multiple responsibilities. With Vitable, managing ACA compliance is simple. Our suite of health benefits helps you stay compliant
Better healthcare doesn’t have to cost more. With Vitable, you can reduce healthcare spend while offering meaningful, high-quality care your employees actually use and value.
Every team is different—your health benefits should be too. Vitable helps you build a flexible, personalized benefits package with Direct Primary Care, MEC, ICHRA, QSEHRA, and more to match your workforce and your budget.
Employees whose everyday needs are met become far less likely to change jobs. Providing direct primary care, free medications, and other important services are a key retention tool for agencies dealing with a high-turnover workforce.

Automated eligibility tracking for variable-hour workforces

For businesses with variable-hour workforces, ACA compliance is difficult to manage manually. Tracking measurement periods, stability periods, average hours worked, and eligibility timelines across a changing workforce creates a constant risk of mistakes and IRS penalties. ACA Autopilot continuously tracks eligibility automatically, so you always know who qualifies for coverage — and when.

Stop guessing who qualifies for benefits.

Automated eligibility determination & offers
Real-time eligibility monitoring
IRS penalty exposure reporting
Audit-ready filings
Customizable measurement & stability periods

Stay ahead of 
ACA compliance

IRS requires accurate annual tax filings that prove you have offered ACA compliant benefits.

Automated Benefit Offers

Eligibility triggers offers automatically.

When a variable-hour employee crosses the ACA eligibility threshold, ACA Autopilot automatically generates and delivers a benefit offer — so you never miss a deadline or face a penalty for a late offer.

Tracking & Reporting

Always know where every employee stands.

Vitable connects seamlessly with your HRIS and payroll systems to continuously monitor eligibility across your workforce. Whether through direct integrations or secure automated data syncing, employee hours, look-back periods, stability periods, hire dates, and eligibility timelines stay continuously updated and audit-ready — without requiring manual tracking from your team.

Filings

Your filing, fully handled.

All Vitable customers have their ACA filings managed end-to-end — we handle the preparation and submission of your 1094-C and 1095-C forms so that admin burden never falls on you.

Defense

Backed by real legal defense support.

Filing alone doesn't guarantee you're in the clear. If you receive an IRS penalty letter or face an audit, our legal partners step in to help you respond, defend your filing, and resolve it — so you're never navigating the IRS alone.

Everything you need to stay protected

From day-to-day monitoring to high-stakes audit defense, we've got it covered.

We track employee hours and benefits eligibility across all your payroll, HR, and benefits data sources, updated monthly so you're never behind.
We determine and apply the correct ACA offer codes for every employee, eliminating the manual work and the risk of coding errors on your 1095-Cs.
We handle all IRS electronic filing deadlines and distribute 1095-C forms to your employees — on time, every time, with zero lift from your team.
We ensure complete peace of mind by checking for past filing errors too. The IRS works hard, but we work harder.

Don’t risk your hard-earned money over paperwork errors

4980H(a) Penalty

$3,340 / employee

The 4980H(a) penalty, often called the “sledgehammer penalty” due to its pass-fail nature, is issued when employees receive a “Premium Tax Credit” to access marketplace coverage.

4980H(b) Penalty

$4,460 / employee

The IRS issues a 4980H(b) penalty when an employer offers its full-time employees coverage that is either unaffordable, does not meet MV, or both.

Once your business hits the threshold of 50 employees, failing to comply with the ACA's employer mandate 
can result in costly IRS penalties that could drastically impact your organization.

Peace of mind starts today

Let’s take some major headaches off your plate.