Provide your team with valuable health and wellness benefits, no changes to your existing plan or employee pay.
Starting today, CEOs, CFOs, and HR managers can offer employees enhanced supplemental health benefits—while reducing their FICA payroll tax costs
A fully managed preventative care plan that strengthens employee benefits, lowers payroll taxes, and reduces long-term healthcare costs—with no disruption or added expense.
A streamlined, fully managed benefits program that boosts take-home pay and delivers real wellness support—while helping your business save, with no added costs or plan changes.
We help companies empower their employees, attract top talent, and boost retention—without increasing costs. Our fully managed program delivers up to $1,100 in annual tax savings per W2 while enhancing your benefits experience from day one.
No setup fees, no recurring charges. The entire program is funded through payroll tax savings.
Works directly with your existing payroll system—no disruption or manual work.
Companies that implement this program report significant improvements in employee morale and loyalty.
Savings start with the first payroll cycle, with built-in IRS, HIPAA, ACA, and DOL compliance.
Our team handles everything from onboarding to communication, with minimal lift from your HR or payroll team.
By shifting select services to our plan, employers can reduce healthcare-related expenses without cutting coverage.
Estimate how much your company and employees could benefit in seconds.
We analyze your workforce and provide a clear breakdown of projected savings and benefit eligibility for each employee — so you know exactly what to expect before moving forward.
Our team works directly with your payroll provider (50+ supported) to set up Our plans. We also handle all employee onboarding, education, and enrollment — including answering questions and ensuring participation..
Our plans are fully implemented within 30–45 days, delivering immediate tax savings and enhanced employee benefits — with zero ongoing management required.
No disruptions. No admin work. Fully Hands off rollout in 30-45 days.
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At Health Sphere, compliance isn’t an afterthought—it’s the foundation of our Section 125 Plans. 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.
Our plan is licensed by the Department of Insurance and approved in all 50 states.
Built to meet all federal and state tax guidelines, ensuring your business is protected.
Employee health data is handled with strict privacy and security measures.
We provide all required IRS filings, compliance records, and legal support.
We continuously obtain updated legal opinion letters from multiple law firms
HealthSphere’s program has saved well over $160,000 this year, and we didn’t have to change our benefits or spend a dime to do it. Everything was handled for us — no admin work, no disruption. It integrated right into payroll, and employees never even noticed a shift, except for the added benefits. Honestly, it’s been one of the most efficient wins we’ve had operationally.”
CEO, Tech Company
My company has about 30 employees. We worked together with Healthsphere to roll out their Thrive plus plan across the team. They walked our admin through the process, handled the documents and were quick to reply. The team didn’t have to do anything extra and we’re now saving a pretty decent amount each month.”
CEO, Manufacturing
We weren’t actively searching for a new benefits program, but Thrive felt different. It gave us a way to offer more — real benefits employees use — without changing anything internally. No extra workload for HR, no disruption to payroll. People appreciated the added support, and it made us look like we went above and beyond
HR Director, Hospitality Group
HealthSphere’s program has saved well over $160,000 this year, and we didn’t have to change our benefits or spend a dime to do it. Everything was handled for us — no admin work, no disruption. It integrated right into payroll, and employees never even noticed a shift, except for the added benefits. Honestly, it’s been one of the most efficient wins we’ve had operationally.”
CEO, Tech Company
My company has about 30 employees. We worked together with Healthsphere to roll out their Thrive plus plan across the team. They walked our admin through the process, handled the documents and were quick to reply. The team didn’t have to do anything extra and we’re now saving a pretty decent amount each month.”
CEO, Manufacturing
We weren’t actively searching for a new benefits program, but Thrive felt different. It gave us a way to offer more — real benefits employees use — without changing anything internally. No extra workload for HR, no disruption to payroll. People appreciated the added support, and it made us look like we went above and beyond
HR Director, Hospitality Group
This is a fully managed, pre-tax employee benefits solution that helps businesses offer additional health and wellness coverage—while reducing payroll tax expenses. It’s built to work alongside your current benefits plan and doesn’t require any out-of-pocket costs.
The program uses a compliant tax structure to reduce the employer’s payroll tax liability. Most companies save between $600–$1,100 per participating W-2 employee annually—without changing pay or benefits.
No. The program is layered on top of your existing health benefits and integrates directly with payroll. There’s no disruption to your current plan or any added complexity for your HR or finance teams.
Most companies are fully set up within 30–60 days. Our team handles the full implementation process—including employee onboarding, payroll coordination, compliance, and support.
Yes. The program is built around IRS Sections 125 and 105, includes 213(d)-qualified benefits, and follows all applicable ACA, HIPAA, and DOL guidelines. It has been reviewed and supported by multiple legal and tax experts.
We offer two pre-vetted plan options with slightly different benefits and savings. One is focused on increasing employee take-home pay, while the other offers more extensive healthcare coverage and higher employer savings. We’ll help you choose the one that fits your business best.
Most U.S.-based companies with at least 10 full-time W-2 employees are eligible. The program works across industries, and participation is flexible based on your team's structure.
Discover How You Can Save $600-$1,100 Per Employee Annually, Reduce Payroll Taxes, and Offer Employees Better Benefits at No Cost.
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Everything You Need to Know About Section 125: Tax Savings, Compliance, and Employee Benefits.
If you’re a business owner or HR leader and suspect you or your team are leaving money on the table
Employee benefits are greatly influenced by Section 125 of the IRS Code, one of the most potent weapons companies can
Knowledge of qualifying events is paramount for an employer that wants to extend flexible, tax-advantaged benefits through a Section 125
