Vitable Health offers affordable, accessible, and personalized healthcare benefits for employees and their families. The specific CHOICE benefit you receive will depend on what your employer has chosen to provide.
ICHRA
A CHOICE (Custom Health Option and Individual Care Expense) Arrangement is a flexible employer-funded benefit that helps cover the cost of your health insurance. Your employer sets a monthly contribution allowance, and you choose a health plan that works best for you and your family.
How It Works
Select a health plan on Vitable's enrollment site.
Vitable submits your application. We complete as much as possible on your behalf, but some carriers require you to sign your application, submit your Special Enrollment Period letter, and set up payment. We'll guide you through each step.
Your premiums are paid using an employer-funded card provided by Vitable. Your employer funds 100% of your premium on this card. If your monthly premium exceeds your employer's contribution, the difference is deducted from your paycheck.
Example: Your employer sets a $500 monthly allowance. You select a $600/month health plan. Your employer funds the Vitable card with $600 to cover the premium — but since their contribution is $500, the remaining $100 is deducted from your paycheck.
CHOICE Reimbursement Only
With this plan, there is no employer-funded card. Instead, your employer reimburses you each month to help cover the cost of a health insurance plan you purchase on your own. You pay your premium out of pocket and submit a reimbursement request each month in your Vitable Health Wallet for review and approval.
How It Works
If you already have your own insurance coverage:
Select any plan as a placeholder during the Vitable enrollment process. This step is required so our system can confirm you've opted in and your employer can begin contributing funds.
If you need help finding coverage:
Compare available plans in our shopping tool to review costs, coverage, and the Summary of Benefits and Coverage (SBC).
Select your preferred plan.
Sign your name to complete enrollment (the date will auto-populate).
Vitable Health will reach out if any additional steps are needed to verify your benefits, confirm funding, or assist with your insurance application.
Example: Your employer contributes $750/month. You spend $500 on your health insurance premium, submit a reimbursement request, and receive $500 back. The remaining $250 is returned to your employer.
ICHRA Premium Plus
CHOICE Premium Plus combines elements of both CHOICE and CHOICE Reimbursement Only. Your employer funds your health insurance premiums through a employer-funded card provided by Vitable, and any unused funds can be applied toward eligible medical expenses via reimbursement.
How It Works
Select a health plan on Vitable's enrollment site.
Vitable submits your application and follows up if anything is needed.
Your premiums are paid using an employer-funded card. If your monthly premium exceeds your employer's contribution, the difference is deducted from your paycheck.
Any remaining funds go into your Vitable Health Wallet. Link your bank account to submit reimbursement claims for eligible medical expenses directly to your bank.
Example: Your employer sets a $500 monthly allowance. You select a $300/month health plan. The employer funds the Vitable card with $300 for your premium. The remaining $200 enters your Vitable Health Wallet and can be used for eligible health expenses.
Related Articles
Need More Help?
If you have any questions, our support team is here to help! We're available Monday to Friday from 9 AM to 9 PM EST and on weekends from 9 AM to 5:00 PM EST. You can reach us through the following contact methods:
📞 Call: (484) 416-0769
💬 Chat: Through the Vitable app
📧 Email: support@vitablehealth.com
We’re here to support you every step of the way!