Minimum Essential Coverage that actually works
Minimum Essential Coverage (MEC) plans through Vitable offer a smarter, more affordable way to provide health benefits. Backed by Vitable’s Primary Care, employees get access to essential everyday care with $0 out-of-pocket costs.
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Stay ahead of ACA compliance
The Employer Mandate under the Affordable Care Act (ACA) continues to create confusion for Applicable Large Employers (ALEs) across the country. While many MEC plans technically meet compliance standards, they often fall short of providing the everyday care employees actually need.
Vitable’s Primary Care-first model helps employers meet ACA requirements through affordable, easy-to-administer MEC plans, backed by real, everyday care. Our ACA-compliant MEC plans go beyond just checking the box. They provide your team with meaningful benefits they can actually use, with $0 out-of-pocket costs for primary care.
Stay ahead of ACA compliance
Many employers face steep fines each year due to preventable ACA compliance mistakes. Whether it’s failing to offer Minimum Essential Coverage (MEC), misclassifying employees, misunderstanding full-time equivalent (FTE) calculations, or missing key reporting deadlines, small oversights can lead to big penalties.
Confusion around ACA obligations
Not providing MEC to 95% of employees
Failure to properly track FTEs (full-time-equivalents)
Rapid employee growth that crosses ACA threshold
Costly ACA fines can derail you from achieving your business goals
Calculate your potential IRS penalties
Failing to meet ACA requirements can result in steep IRS penalties for each uncovered employee.
Use our calculator to estimate what non-compliance could be costing your business.
Getting health coverage
can be complicated
Providing health benefits to your team should be simple—but for many employers, it feels anything but. Rising costs, confusing regulations, low employee participation, and overwhelming admin work make it harder than ever to offer coverage that actually works—for your business or your people.
MEC plans backed by primary care
Every MEC plan through Vitable comes standard with Vitable’s Primary Care membership. For one low monthly cost paid by the employer, your team and their dependents get unlimited access to essential care, including unlimited sick visits, mental health support, prescriptions, and labs.
No copays, no deductibles, no coinsurance — just simple, reliable care whenever and wherever 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.
MEC plans that actually deliver care
Most MEC plans meet the minimum—but don’t do much more. Vitable’s MEC plans are different. Backed by Direct Primary Care, they give your team access to real, everyday care with $0 out-of-pocket costs, while helping your business stay ACA-compliant and in control of costs.
Vitable MEC plans vs. other MEC plans
Frequently
Asked Questions
Minimum Essential Coverage (MEC) is the baseline level of health coverage required under the Affordable Care Act (ACA). It includes preventive services such as annual checkups, screenings, and immunizations. Employers offering MEC plans can meet ACA requirements and avoid costly penalties.
An Applicable Large Employer (ALE) is a business or organization that has an average of at least 50 full-time employees or full-time equivalent employees (FTEs) based on the preceding year. An applicable large employer may be a single entity or may consist of a group of related entities.
If there is a group of related entities, these are referred to as ALE members. ALEs are subject to specific provisions of the Affordable Care Act (ACA), including employer shared responsibility rules and reporting requirements.
To calculate full-time equivalents (FTEs), add the total hours worked by part-time employees in a month and divide by 120. Combine that number with your full-time employee count (those working 30+ hours per week).
If you have 40 full-time employees and 20 part-time employees who each work 60 hours in a month, you'd calculate:
(20 employees × 60 hours) ÷ 120 = 10 FTEs
40 full-time employees + 10 FTEs = 50 FTEs total
In this case, your business would be considered an Applicable Large Employer (ALE) under ACA rules.
Vitable’s MEC plans include access to Direct Primary Care, so employees can get essential care for sick visits, mental health, prescriptions, labs, and more—all with $0 out-of-pocket costs. For broader coverage, MEC plans can be bundled with options like Minimum Value Plans, ICHRAs, and ancillary benefits such as vision and dental.
Minimum Essential Coverage (MEC) plans meet Part A of the ACA employer mandate by satisfying the requirement to offer coverage to eligible employees. However, to meet Part B—which requires the coverage to be affordable and provide minimum value—employers must offer a Minimum Value Plan (MVP) alongside or in place of a MEC plan.
Vitable offers both MEC and MVP options, giving you the flexibility to build a compliant, affordable benefits package that fits your business needs.
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.