Better ICHRA with Vitable Primary Care

Say goodbye to complex group health plans. Say hello to better healthcare through Vitable ICHRA.

Vitable’s ICHRA makes ACA compliance easy, reduces admin hassle, and provides your team better, more flexible coverage. Paired with our virtual Primary Care membership, our ICHRA combines everyday care with flexible individual marketplace plans that improve your team's overall healthcare experience, boost retention, and deliver real care.

Reimbursement Budget

$500.00

per employee per month

Total
$560

Total
$922

Total
$623

Total
$388

Total
$963

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.

Primary Care & Prescriptions

Built-In Primary Care

Mental Health, Covered

Care That Supports Women’s Health

Essential Labs & Testing

Whether you need a physical, require mental health support, or have other health concerns, get the right type of care on your own schedule. Vitable providers will come to your living room, virtually.

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.

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 jargon, 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 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: Simple, flexible contributions

Vitable makes it easy for employees to use their ICHRA dollars.

Employers can choose direct reimbursements, with employees submitting eligible healthcare expenses and receiving funds directly in their bank accounts. Or choose automated payments, with Vitable handling premium payments and employers using payroll deductions to collect employee contributions.

Both methods are secure, compliant, and designed to keep healthcare payments effortless for your team.

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.

Vitable ICHRA vs. Group Plans

Feature ICHRA Group Plans
Cost control Set a defined budget for each employee No minimum enrollment requirements
Employees select plans that fit their healthcare needs Yes No
No sudden premium hikes or denied coverage Yes No
Custom open enrollment process Yes No
Primary care coverage with $0 copays or deductibles Yes No
Ongoing benefit support for employees Yes No
Employer dashboard for easy benefit management Yes No

Frequently Asked Questions

Are ICHRA reimbursements considered income?

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.

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.