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.
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Your Trusted Tax Savings Partner
At Health Sphere, we specialize in tailored Section 125 solutions designed to help businesses reduce tax liabilities while providing employees with meaningful benefits. With over a decade of experience in tax compliance and employee benefits, we simplify the process to make it cost-effective and fully aligned with regulatory standards
Our innovative programs empower employers to offer tax-efficient benefits without upfront costs, helping businesses thrive while boosting employee satisfaction and retention.
Over A Decade of Expertise
Zero upfront cost to enroll
Enhancing the well-being of 23,000+ Employees
What Is a Self-Funded Section 125 Program?
A self-funded Section 125 program allows employers to offer pre-tax benefits such as healthcare premium contributions, dependent care, and other qualifying expenses. Employees reduce taxable income while increasing take-home pay. For employers, this means lower payroll tax obligations and improved cash flow.
Why Choose Self-Funding?
Unlike traditional programs, self-funding puts employers in control, allowing for a customized approach that aligns with the unique needs of their teams. It minimizes administrative expenses while delivering measurable savings and valuable benefits.
Key Advantages of a Self-Funded Section 125 Program
For Employers
Significant Payroll Tax Savings
Employers save $60,000–$70,000 per 100 employees per year on payroll taxes, reducing overall business expenses.
Zero Out-of-Pocket Cost
The program is self-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 35+ payroll providers.
Increased Employee Retention & Satisfaction
Employees receive the same take-home pay and better benefits at no additional cost, leading to a 60% reduction in turnover and a 35% boost in employee satisfaction.
Immediate ROI
Our program ensures full compliance with IRS, ACA, and Department of Labor regulations, protecting businesses from potential audits or penalties.
Fast & Hassle-Free Implementation
The plan is fully implemented within 30–45 days, requiring no ongoing management from the employer.
For Employees
Better Family Coverage
Improved benefits for spouses and dependents.
Extra Wellness Perks
Access to health coaching and fitness programs.
24/7 Telemedicine & Health Support
Talk to a doctor anytime, anywhere.
Discounts on Vision, Dental & Prescriptions
Lower healthcare costs.
Mental Health & Counseling
Support for emotional well-being.
Childcare & Chronic Care Assistance
Help with childcare and ongoing health needs
Preventative Care Management Program (PCMP)
Our Preventative Care Benefits Program is a fully compliant wellness solution built around Section 125 and IRS-approved reimbursement guidelines. It integrates a Self-Insured Medical Expense Reimbursement Plan (SIMERP) to create a holistic employee benefit offering. Employees can receive reimbursements for qualifying medical expenses, reducing healthcare costs and improving financial security. The program meets all regulatory requirements, providing a risk-free way to enhance employee benefits while reducing employer tax obligations.
Eligibility Requirements
Full-Time Employees
Exclusively for full-time, W-2 employees with primary medical coverage.
Employer Size
Must have at least 20 eligible employees to participate.
The Smartest Section 125 Plan for Employers
Compare the Impact: No Plan vs. Traditional Section 125 vs. Our Fully Managed PCMP
| Factor | No Section 125 Plan | Traditional Section 125 | Health Sphere’s PCMP |
|---|---|---|---|
| Employer Payroll Tax Savings | $0 | $100–$300 per employee/year | $600–$700 per employee/year |
| Employee Take-Home Pay | Lower | Same as before | Same as before |
| Employer Cost | Higher payroll taxes | $0 | $0 (Net Savings) |
| Admin & HR Work | High | 5–10+ hours/month | 0 hours (We handle everything) |
| Payroll Integration | None | Manual setup | Automated (ADP, Paychex, Gusto, QuickBooks & more) |
| Employee Benefits | None | Minimal options | Telemedicine, mental health, Rx discounts, childcare |
| Compliance Risk | High | Employer responsible | 100% IRS, ACA & DOL compliant |
Compliance Made Simple
Your Guide to IRS-Compliant Benefits
Maintaining compliance is crucial for any Section 125 plan. Our team ensures your program adheres to all IRS and ERISA guidelines, reducing risk and enhancing peace of mind.
Comprehensive Support
Receive expert guidance on regulatory updates and plan documentation.
Built-In Safeguards
Our programs are designed to meet the highest standards of compliance.
Stay Ahead
Access our Compliance Resource Center for whitepapers, legal updates, and more.
Let us handle the complexities of compliance so you can focus on running your business.
We seamlessly integrate with 50+ payroll providers with full automation.
What Employers Are Saying About Our Program
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"The entire implementation was handled for us—zero admin work on our end. Within 30 days, we were saving thousands on payroll taxes. The process was smooth, and our payroll system integrated perfectly without any disruptions. I highly recommend this to any business looking to cut costs effortlessly."
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"We saved over $75,000 in payroll taxes last year without spending a dime. At first, I thought there had to be a catch, but there wasn't. The savings are real, and the best part is that it didn’t change anything for our employees—they kept the same take-home pay while getting extra benefits."
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"Retention has been a challenge for us, but since implementing this program, we’ve seen a noticeable drop in turnover. Employees love the extra wellness perks and telemedicine access. It’s a win-win: we save on payroll taxes, and they get better benefits with no cost to them."
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"We were hesitant about making changes to payroll, but the integration with ADP was completely automated. There was no extra work for our HR team, and everything ran smoothly from day one. Now, we’re saving money without lifting a finger."
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"We’ve been burned by compliance issues in the past, so we were extra cautious before moving forward. But this program is fully IRS-approved, and the team handled everything from start to finish. It’s given us peace of mind while putting thousands back into our budget."
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"The entire implementation was handled for us—zero admin work on our end. Within 30 days, we were saving thousands on payroll taxes. The process was smooth, and our payroll system integrated perfectly without any disruptions. I highly recommend this to any business looking to cut costs effortlessly."
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"We saved over $75,000 in payroll taxes last year without spending a dime. At first, I thought there had to be a catch, but there wasn't. The savings are real, and the best part is that it didn’t change anything for our employees—they kept the same take-home pay while getting extra benefits."
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"Retention has been a challenge for us, but since implementing this program, we’ve seen a noticeable drop in turnover. Employees love the extra wellness perks and telemedicine access. It’s a win-win: we save on payroll taxes, and they get better benefits with no cost to them."
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"We were hesitant about making changes to payroll, but the integration with ADP was completely automated. There was no extra work for our HR team, and everything ran smoothly from day one. Now, we’re saving money without lifting a finger."
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"We’ve been burned by compliance issues in the past, so we were extra cautious before moving forward. But this program is fully IRS-approved, and the team handled everything from start to finish. It’s given us peace of mind while putting thousands back into our budget."
Tax Savings Calculator
Explore Your Potential Savings
Maintaining compliance is crucial for any Section 125 plan. Our team ensures your program adheres to all IRS and ERISA guidelines, reducing risk and enhancing peace of mind.
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Case Study: Restaurant Chain Saves $312,000 Annually
A regional restaurant chain with 460 employees partnered with us to implement a Section 125 program. By optimizing pre-tax benefits and reducing payroll tax liabilities, the company achieved $312,000 in annual savings. Employees enjoyed increased take-home pay, access to wellness programs, and supplemental coverage options, leading to improved job satisfaction and retention. The streamlined implementation process ensured minimal disruption to daily operations, making the program a win-win for the company and its staff.
Frequently Asked Questions
How much does it cost to implement?
No upfront costs—our program is performance-based, ensuring you save before any fees are applied.
Can this program coexist with current benefits?
Yes, it complements existing benefits plans without replacing them, adding value and savings for employers and employees alike.
How long does setup take?
Implementation is fast, typically taking 30-45 days from start to finish.
Do employees need existing medical coverage to enroll?
No, employees without major medical coverage can still access the wellness and supplemental benefits provided.
What savings can we expect?
Employers typically save $600-$800 per employee annually. Companies with 100 employees could save around $60,000 each year.
Is it difficult to manage?
Not at all. Our platform integrates seamlessly with payroll systems, and our team handles the heavy lifting.
Blog & Resources
Stay Informed with Expert Insights
Explore our blog for the latest news, tips, and strategies to optimize your tax savings and employee benefits.
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.
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.
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.
