Warehouse worker reviewing a shipment list

Affordable ACA compliant benefits that protect against overspending & fines.

You shouldn’t have to choose between quality benefits, IRS penalties, and your margins. Vitable gives you all three: compliant coverage, $0 care for employees, and pricing built for hourly workforces.

→Get my custom quote

Free · No obligation · Takes 2 minutes

Trusted by [X]+ businesses with hourly and frontline teams

You’re not alone. Traditional benefits weren’t designed for your business.

85 million Americans are uninsured or underinsured today, most of them hourly workers. If your business runs on this workforce, you’ve been stuck with three bad choices.

Option 1: Offer nothing

Ignore the ACA, skip offering benefits entirely, and risk costly IRS penalties.

The 2026 ACA employer mandate penalty is

$3,340

per employee, per year (up to $5,010 if coverage is unaffordable)

iSourceIRS 2026 §4980H penalty amounts, via Thomson Reuters and PeopleKeep

Option 2: Check the compliance box

Offer the minimum necessary benefits and risk losing top talent to competitors with stronger benefits

Replacing one hourly employee costs

~$5,000

on average (16–20% of annual salary)

iSourceCenter for American Progress, turnover cost as a share of salary for roles under $30k–$50k

Option 3: Buy a traditional group plan

Offer a group plan and risk overspending on coverage employees can’t afford to use.

The average employer pays

$9,325

per employee, per year for single coverage

iSourceKFF 2025 Employer Health Benefits Survey

There’s a fourth option that doesn't compromise on quality for compliance.

Plans that are compliant for you, accessible for employees, and affordable for everyone.

→See plans & pricing

No credit card · No sales pressure

Stay compliant with

Minimum Essential Coverage (MEC)

ACA-compliant coverage that satisfies the employer mandate, so you avoid IRS penalties without paying group-plan prices.

See how MEC works →

Keep your best people with

Vitable Primary Care

Same-day or next-day doctor visits with $0 out of pocket, including sick visits, prescriptions, labs, and mental health support your team will actually use.

See what’s included →

Keep costs predictable with

Individual Coverage HRAs (ICHRA)

You set a fixed monthly budget; employees pick their own marketplace plan. Predictable spend for you, real choice for them.

See how ICHRA pricing works →

A benefits platform that doesn’t cost an arm and a leg to get setup.

→See it in action

15-minute walkthrough · No obligation

Platform screenshot — asset to come

Works with what you already run

Vitable sits on top of your existing payroll and HR stack. It’s additive, not disruptive, so there’s nothing to rip out and no new system to learn.

Your team’s benefits questions come to us, not you

We handle administration, eligibility, and ongoing management, so offering benefits doesn’t become a second job for your office manager.

Grows as fast as you do

Start with a worker’s first benefit and scale to full ACA compliance with one platform, one team, and no replatforming later.

Run your own numbers first

Not ready to talk? Get the math in two minutes, no email required.

Calculate your ACA penalty risk →

Calculate what turnover is costing you →

Calculate your ROI with Vitable →

Compliance, retention, and margins: you don’t have to pick one.

Get a quote built for your headcount and your budget. If the math doesn’t work, you’ll know in one conversation.

→Get my custom quote

Free · No obligation · Takes 2 minutes

[Proof slot: strongest named-customer stat, e.g. “How (customer) cut benefits costs XX%”]