ICHRA that works for real people
Vitable's ICHRA (Individual Coverage HRA) offers a smarter, more affordable way for employers to provide health benefits. Every plan is paired with our Primary Care membership, giving employees access to essential care — with $0 out-of-pocket costs.
Say goodbye to complex group health plans. Say hello to better healthcare through Vitable ICHRA.
- Cigna Connect Silver$553
- Vitable Primary Care$0
- Vitable Vision$7
- UHC Standard Gold$812
- 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 comes standard with Primary Care
No matter which ICHRA plan an employee chooses—or even if they waive coverage—they’ll still get Vitable’s Primary Care membership at no cost.
For one low monthly rate 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. Just simple, reliable care when and where it’s needed.
Built-in Primary Care
Mental Health, Covered
Care That Supports Women’s Health
Essential Labs & Testing
Vitable 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.
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.
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.
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 ICHRA (Individual Coverage HRA).
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.
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.
Guided plan selection
We guide your team through all plan options, helping them compare choices, navigate complex jargon, and confidently select the plan that’s right for them.
Accessible primary care
Employees gain access to Vitable Primary Care membership along with their ICHRA, ensuring easy access to essential care at $0 whenever and 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.
Vitable ICHRA
cards: simplified 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 premiums. It’s a flexible, effortless way for your team to use their benefits.
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. ICHRAs are flexible, scalable, and designed for today’s workforce — saving you time, reducing costs, and giving your team more choice and control.
Quick ICHRA setup
Getting started is simple. Just tell us about your company, connect your payroll and bank, and you can be up and running in as little as 5 minutes.
Switching is easy
No need to wait for open enrollment. We’ll help you cancel your current plan and fully manage your ICHRA setup with Vitable.
Tax-free for everyone
ICHRA reimbursements are tax-free for both employers and employees — helping reduce payroll and income tax costs across the board.
Total budget control
With ICHRA, you set monthly reimbursement amounts — giving you full control and cost predictability. We can also help create custom budget classes by role, location, or team.
Attract & retain top talent
Stand out to candidates coming from larger companies by offering better, more flexible benefits built for modern companies.
Works for any business size
Whether you have 5 or 500 employees, ICHRA scales with your business and supports a wide range of team structures and locations.
Supported by the best
Vitable ICHRA vs. Group Plans
Group Plans
Frequently
Asked Questions
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.
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.
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.
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.
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.
Discover More
Check out our resources page for helpful guides, articles, case studies, and more—everything you need to make informed, confident decisions about health benefits for your team.
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Vitable helps employers provide better healthcare to their employees and dependents by improving accessibility, cost, and quality.