Are You Maximizing Tax Advantages for Your Business with a Section 125 Plan?

When it comes to cutting costs, enhancing employee benefits, and staying compliant, employers typically only do the bare minimum of what’s available. What if there were a better, fully compliant alternative to realizing tax benefits, employee wellness benefits, and bottom-line outcomes, at no out-of-pocket expense? That’s exactly what Health Sphere’s Core360 delivers.

Let’s break down how this comprehensive benefit strategy, which leverages a Section 125 health plan, along with a Preventative Care Management Plan (PCMP) is changing the game for employers and employees alike.

Understanding the Core360 Advantage

Unlike traditional plans, Core360 isn’t just a Section 125 offering. It’s a fully managed, turnkey solution that bundles tax-advantaged benefits with proactive care and additional reimbursement opportunities.

This integration of compliance, coverage, and convenience makes Core360 one of today’s most effective employee benefit strategies.

What makes it different?

Leverages section 125 plan health insurance to decrease taxable income by enabling employees to pay qualified medical expenses using pre-tax dollars, directly putting more money into employees’ pockets.

It comes with a Preventative Care Management Plan (PCMP) that provides necessary screenings, wellness checks, and proactive monitoring to promote healthier outcomes and less long-term risk.

It includes a Self Insured Medical Reimbursement Plan (SIMRP), which allows employees to be reimbursed extra tax-free for eligible medical expenses not generally covered by health plans.

Provides full automation and compliance assistance, simplifying implementation with little effort needed from internal payroll or HR staff.

This isn’t a patchwork of disconnected perks. It’s one intelligent, strategic solution — designed to deliver measurable results.

How Core360 Works for Employers

Employers who implement Core360 experience an immediate financial benefit, and it doesn’t require budget changes, new software, or shifts to existing coverage. It integrates seamlessly into your current benefits framework.

Key employer benefits include:

Save ~$600 per year per employee by reducing payroll tax liabilities. For an organisation with 100 employees, that’s an estimated $60,000 saved annually — with no new line-item costs.
No out-of-pocket costs required to implement or maintain the program, meaning employers can provide enhanced benefits with zero capital investment.
Lower medical claims costs due to improved preventative care access, with average savings of $1,400 over three years per employee from reduced absenteeism and better health management.
Fast and hassle-free rollout completed within 30–45 days, including plan design, employee communication, training, and ongoing support.
Enhanced employee retention and morale, as staff recognise the real value in improved benefits and increased pay without additional effort.
Immediate ROI starting month one, as tax savings begin as soon as deductions are made through payroll.

This is a rare opportunity for employers to save money while improving their benefit offerings, without disruption or complexity.

What Core360 Means for Employees

The Core360 plan offers more than traditional insurance for employees. It provides them with increased take-home pay, richer wellness access, and peace of mind—all without altering or replacing their existing health coverage.

Core360 employee benefits:

3–4% net increase in paychecks as a result of payroll tax savings through pre-tax deductions. For many, that equates to an extra $1,200 annually in their pockets — without negotiating for a raise.
24/7 telehealth access with a $0 copay, including doctors, nurses, and mental health professionals, allows employees to get care anytime without taking time off work or paying out of pocket.
No disruption to current benefits — Core360 is designed to work with any existing health insurance policy, supplementing rather than replacing what’s already in place.

It’s a holistic package that makes life easier, healthier, and more financially secure for employees.

This Is Not Just Another Section 125 Health Plan

While Section 125 plan health insurance is widely used to reduce tax burdens, it often stops short of delivering broader wellness or financial protection. Core360 fills that gap with a layered approach that builds on the fundamentals of tax savings.

Here’s how it’s different:

Offers traditional pre-tax deduction savings under Section 125, reducing employee taxable wages and payroll tax for employers.
Adds a Preventative Care Management Plan (PCMP) to encourage early detection and proactive care, leading to better health and reduced long-term claims costs.
Integrates Self Insured Medical Reimbursement Plans (SIMRP) to cover additional out-of-pocket, tax-free expenses without overwhelming employees with paperwork or complex claim processes.
Backed by a fully managed platform, ensuring consistent compliance, employee education, and effortless plan administration — all overseen by Health Sphere experts.

The result is a benefits solution that does more than check the compliance box. It’s engineered to drive true value across the board.

Who’s Already Using Core360?

Currently, Core360 benefits more than 65,000 employees across industries, including healthcare, logistics, education, construction, retail, and corporate services.

These are businesses that have unlocked actual savings while offering standout perks their competitors can’t match.

No matter how big the team, Core360 adapts to your needs and scales with your business. It requires no changes to your current broker relationships or health plan structure, making it one of the easiest high-impact upgrades you can offer.

Why Employers Are Making the Switch

Today’s job market demands more than just salary increases — employees expect robust benefits that show employers care. However, for businesses, offering more usually means spending more. Core360 breaks that pattern.

With Core360, you can:

Improve your section 125 health plan without increasing your spend.
Minimize admin burden with fully automated plan support.
Retain and attract top talent with real, usable benefits that support health and financial well-being.
Align HR strategies with tangible cost savings and performance outcomes.

It’s not about offering more — it’s about providing smarter. Core360 makes that possible.

Final Thoughts: Is Core360 Right for Your Business?

Instead of sticking with the status quo or settling for budget-driven decisions, Core360 empowers you to deliver next-level benefits that align with employee expectations and business strategy.

With consistent tax savings, full compliance, and a ready-to-deploy system, you won’t find a more efficient or impactful benefit model.