Vitable Health Expands Care-Backed ICHRA Platform to Pennsylvania, Texas, and Florida Amid Rising Demand for SMB Health Benefits

With uninsured rates among the highest in the nation, Vitable Health brings its integrated benefits and care platform to three high-need states

PHILADELPHIA--(BUSINESS WIRE)--Vitable Health, the leading all-in-one health benefits platform redefining care for the American workforce, today announced the availability of its care-backed ICHRA (Individual Coverage Health Reimbursement Arrangement) services in Pennsylvania, Texas, and Florida. This expansion follows the company’s successful launch in Ohio and reflects growing demand from small businesses for health benefits that actually deliver care, not just coverage.

As healthcare costs rise and small businesses continue to be left behind by traditional group insurance models, ICHRA adoption is accelerating across the country. New U.S. Census Bureau data, analyzed by BenefitsPro, shows that Florida and Texas are among the states with the highest uninsured rates, underscoring the urgent need for solutions that help employers close coverage gaps. According to the most recent HRA Council report, 83.5% of employers offering an ICHRA or QSEHRA did not provide any health benefits prior—a sign of the model’s potential to expand access where it’s needed most. “Legislation will always lag behind reality,” said Joseph Kitonga, CEO of Vitable Health. “This expansion is about more than geography, it’s about proving that small businesses don’t need to wait for lawmakers to fix the system. Affordable, high-quality healthcare for the working class isn’t theoretical. It’s here, it’s working, and it’s only the beginning.”

In many of these markets, small businesses are facing what Vitable Health calls “coverage deserts,” where traditional plans have become cost-prohibitive or inaccessible. By combining ICHRA administration with unlimited virtual primary care, preventive screenings, diagnostic lab panels, and zero-dollar prescriptions, Vitable removes the friction that typically keeps benefits and care siloed. This integrated model simplifies compliance for employers while improving health access and engagement for employees, particularly in industries like home health, construction, and hospitality, where coverage has historically been out of reach.

In Pennsylvania, where Vitable Health is headquartered, this expansion marks the next stage of growth in the company’s largest and most mature market. In Texas and Florida, two of the country’s most challenging benefits environments, Vitable Health is helping employers deliver a competitive edge by pairing cost-efficient ICHRA benefits with real care.

“With Ohio’s HB 133 and Indiana’s HB 1004 setting the tone and ICHRA bills surfacing in other states, the message is clear: change is coming,” Kitonga added. “The employers who act now aren’t just getting ahead of the curve—they’re leading it.”

With this multi-state expansion, Vitable Health is demonstrating what a new standard for small-business health benefits looks like: affordable, accessible, and centered on real care rather than bureaucracy.

To learn more about Vitable Health’s ICHRA and primary care offerings for small businesses, visit vitablehealth.com/ichra.

About Vitable Health

Vitable Health is the nation’s leading health benefits platform, making healthcare better for business owners and employees. With a focus on real access over red tape, Vitable Health offers employers affordable, ACA-compliant health benefit solutions, including Minimum Essential Coverage (MEC) plans, MVP plans, and ICHRA and QSEHRA options, that are packaged with Direct Primary Care and can be enhanced with Vision and Dental benefits. Every plan includes access to virtual primary care visits, mental health coaching, and over 1,000 covered prescriptions and labs with zero out-of-pocket costs. To date, Vitable Health has raised $25 million from top-tier investors, including First Round Capital, Y Combinator, Cherryrock Capital, Citi Bank’s Impact Fund, Commerce Ventures, Jack Altman, Michael Seibel, Immad Akhund, and SoftBank Opportunity Fund.