What You Shoiuld Know:

你应该知道的事情：

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Vitable Health

至关重要的健康

, a prominent all-in-one health benefits platform announced its strategic

，一家知名的一体化健康福利平台宣布了其战略

acquisition

收购

of

的

Liferaft’s

救生筏的

Health Reimbursement Arrangement (HRA) platform.

健康报销安排（HRA）平台。

– The strategic acqusition positions Vitable Health to launch what it describes as the first unified platform aimed at solving the “Impossible Triangle” of employee healthcare – balancing cost, coverage, and administrative burden – particularly for small to medium-sized businesses (SMBs).

此次战略性收购使Vitable Health能够推出其所谓的首个统一平台，旨在解决员工医疗保健的“不可能三角”——即在成本、覆盖范围和管理负担之间取得平衡——特别是针对中小型企业（SMB）。

The acquisition comes at a critical time, with Vitable Health citing that 58 percent of small businesses report an inability to afford traditional group health insurance. This affordability crisis leaves a significant portion of the American workforce, estimated at more than 80 million people, either uninsured or underinsured.

这场收购正值一个关键时期，Vitable Health指出，58%的小企业报告称无力承担传统的团体健康保险。这种可负担性危机导致美国劳动力中很大一部分人（估计超过8000万）要么没有保险，要么保险不足。

By integrating Liferaft’s capabilities, Vitable Health aims to significantly lower healthcare costs and expand coverage by leveraging Artificial Intelligence (AI) to strip away costly administrative overhead..

通过整合Liferaft的功能，Vitable Health旨在利用人工智能（AI）大幅降低医疗成本并扩大覆盖范围，通过去除高昂的行政管理费用来实现。

A Unified Approach: ICHRA and Primary Care Under One Roof

统一方法：ICHRA 和初级保健合为一体

With the integration of Liferaft’s Individual Coverage HRA (ICHRA) platform, Vitable Health is set to become the first national provider to offer both ICHRA-based coverage and comprehensive end-to-end primary care services through a single, unified platform. This innovative model seeks to streamline how small businesses provide and manage health benefits..

通过整合Liferaft的个人覆盖健康报销账户（ICHRA）平台，Vitable Health有望成为首家通过单一统一平台提供基于ICHRA的覆盖和全面端到端初级保健服务的全国性供应商。这一创新模式旨在简化小型企业提供和管理健康福利的方式。

Solving the “Impossible Triangle” with Tangible Benefits

解决“不可能三角”的切实好处

Vitable Health outlines its solution to healthcare’s “Impossible Triangle” with specific, compelling advantages for employers and employees:

Vitable Health 概述了其针对医疗保健“不可能三角”的解决方案，为雇主和员工提供了具体且引人注目的优势：

35 Percent Lower Costs:

成本降低35%：

Employers can establish fixed monthly contributions that average 35 percent below traditional group health plans. This model allows for predictable budgeting and eliminates concerns about unexpected premium increases.

雇主可以建立比传统团体健康计划平均低35%的固定月度供款。该模式允许可预测的预算编制，并消除了对意外保费上涨的担忧。

Superior Care Access:

优质护理通道：

Every member gains access to unlimited primary care, mental health services, and coverage for over 1,000 medications. Notably, these services come with zero out-of-pocket costs for members and do not impact their deductibles or out-of-pocket maximums.

每个会员都能享受无限次的基础医疗服务、心理健康服务以及超过1000种药物的覆盖。值得注意的是，这些服务对会员没有任何自付费用，也不会影响他们的免赔额或自付上限。

90-Minute Setup, Zero Ongoing Admin:

90分钟设置，零持续管理：

The entire platform can be implemented in as little as 90 minutes. AI-powered systems are designed to handle all ongoing administrative tasks, freeing up valuable time and resources for businesses.

整个平台可以在短短90分钟内实施。人工智能驱动的系统旨在处理所有持续的行政任务，为企业腾出宝贵的时间和资源。

Liferaft’s Expertise to Fuel Accelerated Growth

救生筏的专业知识助力加速增长

Liferaft, co-founded by Nimish Shukla and Ian Blumenfeld, has a proven track record of assisting hundreds of employers in designing customized HRA-based benefit plans. The company is recognized for its strong relationships with brokers and its flexible product offerings, bringing deep ICHRA market knowledge and robust implementation infrastructure to Vitable Health..

Liferaft由尼米什·舒克拉和伊恩·布鲁门菲尔德共同创立，拥有帮助数百家雇主设计基于HRA的定制福利计划的成功记录。该公司以其与经纪人的紧密关系和灵活的产品提供而闻名，为Vitable Health带来了深厚的ICHRA市场知识和强大的实施基础设施。

“For decades, employers have faced an impossible choice: affordable healthcare that’s low quality, high-quality care that’s unaffordable, or burning countless hours managing fragmented benefits and point solutions,” said Joseph Kitonga, Founder and CEO of Vitable Health. “By combining Liferaft’s ICHRA technology with our direct care network, we’ve broken through the impossible triangle and created something revolutionary: a single platform for employee healthcare and benefits, that eliminates these painful tradeoffs completely.”.

“几十年来，雇主们面临着一个不可能的选择：要么是价格实惠但质量低下的医疗保健，要么是负担不起的高质量护理，要么是花费无数时间管理分散的福利和点状解决方案，”Vitable Health创始人兼首席执行官Joseph Kitonga说道。“通过将Liferaft的ICHRA技术与我们的直接护理网络相结合，我们突破了这个不可能的三角，并创造了一些革命性的东西：一个单一的员工医疗保健和福利平台，完全消除了这些痛苦的权衡。”