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Cost Reduction Service

Employer Healthcare Savings

Advanced preventative healthcare savings that reduce payroll cost and improve employee benefits — without changing carriers, without disrupting broker-of-record relationships, and without adding out-of-pocket burden to employees.

$0 Employee Out-of-Pocket No Carrier Change Payroll Tax Savings Compliance Support
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Key Impact

Payroll Tax Reduction

FICA savings through Section 125 structure

Enhanced Benefits Package

Preventative care with zero employee cost

No Carrier Disruption

Existing insurance relationships stay intact

Compliance Framework

Full ERISA, HIPAA, and ACA alignment

How It Works

Preventative Healthcare That Pays for Itself

Most employers assume better benefits cost more. That assumption leaves savings on the table. The SIMERP 125 Plan is a market-leading preventative care solution structured through Section 125 of the Internal Revenue Code — delivering comprehensive health benefits with zero cost to employers and zero out-of-pocket cost to employees.

The structure creates payroll tax savings for the employer while giving employees access to preventative care, telehealth, diagnostic testing, and prescription savings — all without touching the existing health insurance carrier or disrupting broker-of-record relationships.

For employers with 25+ employees, the combined payroll tax savings and benefit enhancement typically creates a net-positive financial position while strengthening the employee value proposition.

What the Program Includes

Preventative Care Access

Annual wellness exams, routine screenings, and diagnostic testing with no copay or deductible.

24/7 Telehealth

Unlimited virtual doctor visits for employees and covered family members — no appointment delays.

Prescription Savings

Discounts on generic and brand-name prescriptions, including mail-order options.

Compliance Coverage

ERISA, HIPAA, and ACA-compliant plan documentation and ongoing support included.

Payroll Tax Advantage

Section 125 structure reduces employer FICA obligation — savings that compound with workforce size.

Employer Impact

Savings That Strengthen the Business

Payroll Tax Savings

Section 125 salary redirection reduces FICA obligation on both sides — employer and employee.

Workforce Stability

Zero-cost preventative benefits reduce turnover pressure and strengthen recruitment positioning.

Reduced Claims Pressure

Preventative care utilization reduces downstream claims on the primary health plan.

No Operational Disruption

Implementation without carrier changes, broker disruption, or administrative overhead.

Who This Serves

Built for Employers Who Want Better Without Disruption

The Employer Healthcare Savings program is designed for organizations that want to strengthen their benefits package without the friction of an RFP process, carrier change, or broker confrontation.

  • 25+ employees on payroll (W-2)
  • Existing health insurance in place
  • Interest in reducing payroll tax exposure
  • Desire to improve benefits without added cost

Common Employer Questions

Does this replace our health insurance?

No. This is a supplemental preventative care benefit that sits alongside your existing carrier — it does not replace, compete with, or disrupt your primary health plan.

Will our broker object?

No broker-of-record change is required. The program integrates without touching broker relationships or carrier contracts. We work alongside your existing advisors.

How quickly can this be implemented?

Most employers complete implementation within 2–4 weeks. The enrollment process is streamlined and supported end-to-end.

Ready to See What Employer Healthcare Savings Look Like for Your Organization?

Schedule a confidential consultation. No carrier disruption. No obligation. Just a clear assessment of the savings opportunity for your specific workforce.

Schedule Consultation

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