There are 2 types of Wellness plans available:  Our current Participatory “Compliant” Wellness Program does include services that qualify as “medical” care and is considered a “health plan.” The Essential program is the perfect fit for business owners looking to provide a benefits plan for their employees while satisfying penalties imposed on them and their employees by the ACA mandates.  The standard Participatory Wellness Plan is not considered Health Insurance and does not satisfy the ACA mandate.