No. Reimbursements from your ICHRA are not considered taxable income. They are tax-free for employees and tax-deductible for employers, making them a cost-effective way to offer health benefits. This is one of the most important financial advantages of an HRA.
ICHRA that works for real people
An Individual Coverage HRA (ICHRA) through Vitable offers a smarter, more affordable way for employers to provide health benefits. Every plan is paired with our enhanced Primary Care membership, giving employees access to essential care — with $0 out-of-pocket costs.
With Vitable’s ICHRA, you and your team get better benefits for less — lower costs, flexible plan options, and zero admin headaches, all without compromising on care.
Say goodbye to complex group health plans and high renewals, and say hello to better healthcare through Vitable.
We designed our HRA solutions to simplify ACA compliance, lower administrative burden, and give your employees better, more flexible coverage. Vitable combines our enhanced Primary Care membership for everyday needs with flexible, major medical coverage through the individual marketplace—creating a shared healthcare experience that drives real outcomes, improves retention, and makes benefits better for everyone.
ICHRA Budget
$500.00
per employee per month
- Cigna Connect Silver$ 553
- Vitable Primary Care$ 0
- Vitable Vision$ 7
- UHC Standard Silver$ 508
- Vitable Primary Care$ 0
- Physical Therapy$ 110
- Ambetter Standard Gold$ 585
- Vitable Primary Care$ 0
- Vitable Dental$ 38
- Bronze 60 HDHP$ 358
- Vitable Primary Care$ 0
- Hearing Aids$ 30
- Gold Classic Standard$ 733
- Vitable Primary Care$ 0
- Chiropractic Therapy$ 230
Design your plan
and set the budget.
We will do the rest.
Our team will work with you to design the best health benefits for your business. From identifying the right coverage to breaking down employee classes, we always ask all the right questions to help you create the easiest and most cost-effective health benefits program.
Once that’s done, we will take it from there. Vitable will manage the rest of the complexity associated with implementing your benefits including enrollment, onboarding, reimbursement, reporting, and compliance.
Our ICHRA Plan
come standard with Primary Care
Regardless of which plan an employee selects — or even if they waive their ICHRA plan altogether — they’ll still receive Vitable’s Primary Care membership at no cost to them. For one low monthly cost paid by the employer, your team and their dependents get unlimited access to essential care, including primary care, mental health support, prescriptions, and labs. No copays, no deductibles, no coinsurance — just simple, reliable care whenever and wherever it’s needed.
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Built-In Primary Care
- Unlimited primary care visits
- Free dependent coverage
- Same-day virtual appointments
- Minor injury care
- Access to 1000+ prescriptions
- Chronic disease management
- Annual physicals
- Urgent care services
Vitable’s Primary Care membership covers the everyday care your team needs. From sick visits and annual physicals to minor injuries and chronic condition management, employees and their families get access to high-quality care whenever they need it. Better care, made simple.
Mental Health, Covered
- Unlimited mental health coaching
- Trauma & stress
- 1-on-1 counseling
- Grief & loss
- Anxiety disorders
- Anger management
- Relationship issues
- Medication management
Support your team’s mental wellbeing with care that’s built in. Vitable’s Primary Care includes access to mental health coaching, licensed therapy, and more. Our programs are designed to boost productivity, reduce burnout, and help employees feel their best, in and out of work.
Care That Supports Women’s Health
- STI/STD testing & treatment
- Hormone support
- Annual well-woman exams
- Cancer screening (e.g. cervical)
- Birth control & contraceptive
- Discreet, judgment-free care
- Pregnancy testing
- Treatment for common infections
When women are healthy, families, communities, and workplaces thrive. From reproductive care to hormonal support, Vitable helps women navigate care that’s often overlooked or hard to access. It’s personalized, discreet, and built into the care your team already receives.
Essential Labs & Testing
- Organ function testing
- Diabetes screening
- Cholesterol screening
- Vitamin deficiency testing
- Thyroid function test
- Hepatitis & HIV screening
- Urinalysis
- COVID testing
Vitable’s Primary Care includes access to routine labs and diagnostic testing, helping employees catch issues early, manage ongoing conditions, and stay on top of their health. It’s proactive care that empowers your team to take action, without paying for a doctor’s visit, deductible, or lab fees.
We handle enrollment & onboarding
— so you don’t have to
Vitable’s expert team takes care of the entire enrollment and onboarding process, helping each employee find a health plan that aligns with your company’s Individual Coverage HRA (ICHRA).
From navigating plan options to completing enrollment, we make it easy — so your team gets the coverage they need, and you get more time to focus on your business.
- 01
Prioritize what matters most
Have preferred networks? HMO vs PPO? High deductible plan? We help to prioritize what’s important for every individual’s needs.
- 02
Guided plan selection
We guide your team through all plan options, helping them compare choices, navigate complex jargons, and confidently select the plan that’s right for them.
- 03
Accessible primary care
Employees gain access to Vitable Primary Care membership along with their ICHRA, ensuring easy access to essential care at $0 whenever wherever they need it.
Your employees
choose their own health benefits
Instead of choosing a one-size-fits-all coverage through traditional group health plans, ICHRA allows employees to pick the plan that fits their needs. Your team can get better coverage, more flexibility in how they spend their HRA budget, and get robust coverage through Vitable’s built-in Primary Care membership.
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Vitable ICHRA Cards:
flexible access to ICHRA reimbursements
Vitable makes it easy for employees to access their ICHRA reimbursement dollars. With Vitable’s ICHRA debit card, employees can easily pay for eligible healthcare expenses, like therapy, prescriptions, fertility care, and more. It’s a flexible, effortless way for your team to use their benefits whenever and however they need them.
Features
Why ICHRA is a
better way to offer benefits
An Individual Coverage Health Reimbursement Arrangement (ICHRA) lets employers offer tax-free health reimbursements instead of managing costly group plans. You set a monthly budget, and employees use those reimbursement dollars to choose a health plan that fits their individual needs. ICHRAs are flexible, scalable, and designed for today’s workforce — saving you time, reducing costs, and giving your team more choice and control.
Supported by the best
Vitable ICHRA vs. Group Plans
Traditional
Group Plans
Group Plans
Cost Control: Set a defined budget for each employee
No minimum enrollment requirements
Employees can select plans that fit their healthcare needs
No sudden premium hikes or denied coverage
Custom open enrollment process
Includes primary care coverage with $0 copays
Ongoing benefit support for employees
Employer Dashboard for easy HRA management
Frequently Asked Questions
Are ICHRA reimbursements considered income?
What types of expenses can be reimbursed with ICHRA?
Qualified expenses include individual insurance premiums, copays, prescriptions, mental health services, specialist visits, and more—based on IRS rules and your plan’s design. Vitable helps define and document what’s covered for your team.
How do employees choose an ICHRA plan?
Vitable guides each employee through their local Marketplace or off-exchange options. A licensed advisor will help them compare costs, check provider networks, and select a plan that fits their needs and budget. Employees get expert support, not a self-serve experience.
Can employers contribute different amounts to different employees?
Yes, depending on your plan configuration, employers can create classes—such as by role, location, or full-time/part-time status—and offer tailored contributions within each group. Reimbursement amounts can also vary based on an employee’s age and number of dependents.
Do ICHRA plans meet ACA employer requirements?
Yes. HRAs are fully ACA-compliant when properly designed. They can meet both Minimum Essential Coverage (MEC) and affordability standards, helping employers avoid Schedule A and B penalties.
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