Empower Your Business
with Tax Savings &
Enhanced Employee Benefits.
Transform your workforce experience while unlocking significant payroll tax savings through our innovative pre-tax benefits program.
- No out-of-pocket cost
- Flexible Benefits for employees
- Payroll tax savings for employers
The #1 Section 125 plan approved by all 50 states. Following
the highest standards in IRS, ACA and HIPAA compliance.
- 12+ Extra health benefits
- Average saving of ~$680/ year per W2 employee
Payroll Savings Analysis
Estimate how much your company and employees could benefit. Calculate your projected savings in seconds.
Number of W2 employees:
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Estimates are based on an average W-2 salary $30,000. Exact savings will be calculated using your census data.
What is a section 125 plan?
A Section 125 Plan, also known as a Cafeteria Plan, was established by the IRS in 1978 to allow employees to allocate a portion of their salary toward qualified benefits on a pre-tax basis. This reduces taxable income, resulting in lower payroll taxes for both employees and employers. Common benefits covered under Section 125 include health insurance, dental and vision plans, and other eligible medical expenses.
Employers can leverage Section 125 to offer pre-tax health benefits to their W-2 employees, effectively lowering FICA taxes while enhancing overall compensation. HealthSphere provides a self funded Section 125 Plan combined with a Preventative Healthcare Management program and an SIMRP at no out-of-pocket cost, ensuring businesses save thousands annually while employees enjoy a net paycheck increase—a win-win for both employers and their workforce.
For Employers
Significant Pay roll Tax Savings
Employers save $600-800 per year per employe annually in payroll taxes, reducing overall business expenses while improving cash flow.
Zero Out-of-Pocket Cost
The program is fully funded through tax savings, meaning there are no upfront costs or additional expenses for the employer.
Seamless Payroll Integration
We handle the entire setup and coordination with 50+ payroll providers, ensuring a smooth and hassle-free process.
Increased Employee Retention & Satisfaction
Employees keep the same take-home pay while gaining better benefits, leading to a 60% reduction in turnover and a 35% increase in employee satisfaction.
Immediate ROI & Compliance Assurance
Our program is 100% IRS, ACA, and Department of Labor compliant, protecting businesses from audits or penalties while delivering immediate financial benefits.
Fast & Hassle-Free Implementation
The plan is fully implemented within 30–45 days, requiring no ongoing management from the employer.
For Employees
Higher Take-Home Pay
Enjoy a ~$100/month increase in net-take home (3-4% of gross salary)
24/7 Telemedicine & Health Support
Employees can talk to a doctor anytime, anywhere, reducing wait times and improving healthcare access.
Spousal & dependent coverage enhancements
Provides expanded healthcare benefits for employees’ spouses and eligible dependents.
Discounts on Vision, Dental & Prescriptions
Lower out-of-pocket costs for eye care, dental services, and prescription medications.
Mental Health & Counseling
Confidential therapy and emotional support resources for improved mental well-being.
Mayo clinic Programs
Enjoy the Mayo Clinic’s Diet & Nutrition Program and Stress Management Plan
Simplified Onboarding: A Smooth 4-Step Process
We’ve designed a seamless, hassle-free process to get your Section 125 Plan up and running in just 30-45 days.
No heavy lifting—just savings and benefits for your business and employees.
Step 1: Quick Eligibility Assessment
We analyze your workforce to determine how much you can save and ensure compliance with IRS, ACA, and HIPAA regulations.
Step 2: Seamless Payroll Integration
Our team works directly with your payroll provider (50+ supported) to ensure a smooth and automated setup.
Step 3: Employee Enrollment & Educationv
We handle all employee onboarding, answering questions, managing enrollments, and ensuring participation—at no cost to you.
Step 4: Go Live & Start Saving
Your Section 125 Plan is fully implemented within 30-45 days, delivering immediate tax savings and enhanced employee benefits with zero ongoing management required.
We seamlessly integrate with
Why Choose Health Sphere?
Since 2018, Health Sphere has been at the forefront of Section 125 solutions, helping employers maximize tax
savings while enhancing employee benefits. Our program is licensed by the Department of Insurance, ensuring compliance and security for businesses of all sizes.
We’ve rigorously tested numerous vendors and carriers, securing legal approvals from top firms to build a 100% IRS, ACA, and HIPAA-compliant solution. With Health Sphere, you get a turnkey, risk-free benefits program that integrates seamlessly with your payroll—delivering immediate ROI with no upfront cost.
Join the thousands of businesses that trust Health Sphere for cost-saving, high-impact benefits.
100% IRS, ACA, & HIPAA Compliant – Guaranteed
At Health Sphere, compliance isn’t an afterthought—it’s the foundation of our Section 125 Plan. We’ve worked with top legal and tax experts to ensure full adherence to IRS, ACA, HIPAA, and Department of Labor (DOL) regulations, so you can implement our program with total confidence and zero risk.
Fully Approved & Licensed
Our Section 125 Plan is licensed by the Department of Insurance and approved in all 50 states.
IRS, ACA & DOL Compliant
Built to meet all federal and state tax guidelines, ensuring your business is protected.
HIPAA Secure
Employee health data is handled with strict privacy and security measures.
Audit-Proof Documentation
We provide all required IRS filings, compliance records, and legal support.
Legal Opinion Letters from Top Firms
We continuously obtain updated legal opinion letters from multiple law firms, ensuring our plan remains fully compliant with the latest IRS memos and regulatory changes.
Trusted by thousands of employers, CPAs, and auditors—ensuring peace of mind with zero compliance risk.
What our clients say
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Everything You Need to Know About Section 125: Tax Savings, Compliance, and Employee Benefits.
Book a 15-minute Discovery Call
Discover How You Can Save $600–$700 Per Employee Annually, Reduce Payroll Taxes, and Offer Employees Better Benefits at No Cost.
Contact Us for a Free Savings Estimate
Ready to start saving? Contact us today for a free, no-obligation proposal. Our self-funded Section 125 plan can be implemented within 60-90 days, delivering substantial savings with no initial investment required.
Empower Your Business with Tax Savings & Enhanced Employee Benefits.