Free tools
Calculators for benefits decisions
Put real numbers behind the cost of turnover, sick days, ACA penalties, and benefits admin — each takes about a minute.
Talk to an expert$3,340
Per employee · 2026
ACA Penalty Risk
Estimate your potential IRS employer mandate penalty (IRC §4980H) based on your headcount and coverage situation.
$4,700
Avg. per hourly hire
Turnover Cost
See what replacing hourly employees really costs your operation — recruiting, training, and lost productivity included.
57.5
Days lost per employee/yr
Absenteeism Cost
Put a number on the productivity your team loses when employees show up sick instead of staying home.
12 days
Admin time per year
Benefits Time Savings
Find out how many working days a year benefits administration eats — and how much of it you could get back.
High quality health plans that
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Vitable helps employers provide better healthcare to their employees and dependents by improving accessibility, cost, and quality.