How Our Payroll Savings & Wellness Plan Works (In Plain English)

Let’s be honest—tax rules can sound like alphabet soup. IRC this, Section that. But underneath the code talk, there’s something simple and smart happening: a plan that helps both employers and employees keep more of what they earn while offering better health benefits.

1. Paying Before Taxes = Instant Savings

Our plan lets employees pay for wellness benefits before taxes are taken out of their paycheck.
That means less taxable income for them and smaller payroll taxes for the company.
Everyone wins—just by changing the order in which the money moves.

Imagine you buy a ticket before sales tax goes up. You saved money just by timing it right.
That’s basically what we’re doing here, but with payroll.

2. Safe, Legal, and Proven

This plan follows every major rule the IRS and federal law require—things like the Affordable Care Act (ACA), HIPAA, and ERISA.
It’s been around in one form or another since the 1960s, so it’s not new or risky.
We work with trusted partners—Manhattan Life and Revive Health—to make sure everything is compliant and easy to manage.

3. It’s Self-Insured and Costs Nothing Up Front

Neither the company nor the employees pay anything extra to join.
The plan is self-insured, meaning the savings generated inside the plan fund the benefits themselves.
So there’s no big new premium or surprise bill—it’s built to pay for itself.

4. Real Benefits That Feel Good

Employees can use the plan for wellness and medical needs—things like doctor visits, dental, vision, and other health services.

Employers save on payroll taxes, often around $1,100 per employee per year, while their teams get access to benefits that make life healthier and happier.

5. Backed by the IRS (and Common Sense)

Everything in this plan lines up with IRS codes like Section 106(a) and Section 125—these are the same laws that allow pre-tax health insurance deductions today.
We simply use them in a smarter, integrated way.