How can we design a plan that gives employees choice without overwhelming them?

Employees want options, but too many can cause confusion and lower engagement. The best strategy is to offer structured, meaningful choices—built around simple, accessible primary care.

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Here’s how to design a plan that empowers employees without overwhelming them:

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• Start with a strong foundation: Every plan should include easy, built-in access to primary care—virtual, in-home, or in-person—so employees always know where to start.
• Limit plan variations: Offer two or three clear options that serve distinct needs (for example, a core plan, a comprehensive family plan, and a supplemental plan for add-ons like dental or vision).
• Use plain language: Replace insurance jargon with people-friendly terms. “What you’ll pay before coverage begins” is clearer than “deductible.”
• Offer guided decision support: Provide quick quizzes, personalized recommendations, or one-on-one enrollment help to simplify choices.
• Consider an ICHRA: An Individual Coverage Health Reimbursement Arrangement lets employers control costs while employees choose their own coverage. Pairing ICHRA with a primary-care solution like Vitable ensures everyone still has $0 everyday care access.‍
• Keep communication ongoing: Reinforce education year-round with simple reminders, videos, or FAQs that help employees make the most of their benefits.

Vitable complements any plan design, including ICHRAs, by giving employees $0 access to primary care, mental health support, prescriptions, and urgent visits through virtual or in-home care. No matter which plan they choose, employees always have dependable, affordable everyday care.

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Offer choice with clarity. A few well-structured options paired with accessible primary care help employees feel confident, supported, and engaged in their health decisions.

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