In today’s competitive hiring landscape, companies are looking for smarter, leaner ways to improve employee well-being, reduce overhead, and retain top talent. But what if there were a way to do all of that, without increasing your benefits spend or touching your existing health plan?

That’s exactly what Health Sphere’s Core360 program delivers.

Core360 is more than just a 125 flexible benefits plan—it’s a fully managed, automated, and compliant solution that combines Section 125 tax savings with a Preventative Care Management Plan (PCMP) and a Self Insured Medical Reimbursement Plan (SIMRP). It’s one of the most innovative and benefit-rich programs available to employers today.

Let’s explore how Core360 helps both businesses and employees save more, feel better, and thrive together.

What Is Core360?

Core360 isn’t your typical 125 flexible benefits plan. While it leverages Section 125 to create tax savings, it doesn’t stop there. It’s a comprehensive program that integrates:

• Section 125: Helps reduce taxable income through pre-tax benefits

• PCMP (Preventative Care Management Plan): Offers access to 24/7 Telehealth, mental health support, and wellness tools

• SIMRP (Self Insured Medical Reimbursement Plan): Adds enhanced benefits like disability, critical illness, and family coverage

This tri-fold structure delivers maximum compliance and financial value, without costing the employer or employee a penny out of pocket.

Why Core360 Isn’t Just a Section 125 Plan?

Many businesses already offer traditional Section 125 cafeteria plans that allow employees to pay for benefits like dental or vision using pre-tax dollars. But those plans are limited in scope and don’t deliver the same level of financial or wellness benefits.

Core360 builds on Section 125—but takes it further by:

• Bundling in zero-copay Telehealth and wellness coaching

• Including universal life, disability, and critical illness insurance

• Offering family-first coverage for spouses and dependents

• Creating a net positive paycheck for most employees

• Requiring no cost or benefits disruption for the employer

It’s the future of employee benefits—smart, automated, and surprisingly simple.

How Core360 Saves Employers Money?

Implementing Core360 means measurable savings and performance gains, without additional investment.

Employer Benefits Include:

• Save ~$600 per employee per year (That’s $60,000 for every 100 W2 employees)

• $1,400 in average claim savings over 3 years

• No out-of-pocket costs or disruption to your current health plan

• Fast 30–45 day rollout with full automation

• Boost retention, engagement, and productivity

• See an immediate impact on your bottom line

And because Core360 is fully managed, there’s no heavy lift for your HR or benefits team. Everything from compliance to employee education is handled for you.

How Core360 Helps Employees Save & Thrive?

For employees, Core360 offers real financial relief and better access to care, without reducing their take-home pay.

Employee Benefits Include:

• 3–4% increase in net pay (~$100/month more in their pocket)

• $0 copay Telehealth access (doctors, nurses, wellness coaches)

• 24/7 mental health support, addiction resources, and counseling

• Mayo Clinic tools and wellness dashboard

• Universal Life, Disability, and Critical Illness coverage

• Enhanced coverage for spouses and dependents

All at no cost to the employee—and with no change to their existing health benefits.

More than 40,000 employees are already enrolled in Core360—and growing fast.

How It Works (Without Breaking Your Current Benefits)

You don’t have to overhaul your existing plan or add any cost to implement Core360.

Here’s how the process works:

1. Health Sphere runs a brief plan feasibility analysis based on your W2 count.

2. You receive a custom proposal showing potential tax and claim savings.

3. If you move forward, the rollout is handled in 30–45 days, with zero disruption.

4. Employees are educated and enrolled through a compliant, automated system.

5. Your company begins saving immediately, with improved morale and engagement.

It’s truly a plug-and-play solution that’s designed for long-term compliance and sustainability.

Why Employers Choose Health Sphere?

Health Sphere isn’t just offering a better benefits plan. It’s changing the way businesses think about wellness, tax savings, and long-term retention.

Health Sphere exists to help companies improve employee well-being and reduce tax waste—without adding cost or touching their current benefits. Our mission is to reach and impact over 250,000 employees by helping employers offer real, preventative health benefits that come with no out-of-pocket cost, no impact to employee pay, and in many cases, actually result in higher net take-home pay.

We believe better benefits should be:

• Simple

• Compliant

• Beneficial for everyone

If you want to build a culture of care without spending more, Core360 is the solution.

A Real Example: The $60,000 Tax Advantage

Let’s say your business has 100 W2 employees. By implementing Core360:

• You save $600 per employee = $60,000 total annual savings

• You reduce average healthcare claims by $1,400 per employee over 3 years

• Your employees earn $1,200 more annually without raising wages

• Your benefits become more attractive to new hires and top talent

It’s the kind of win-win program today’s companies are searching for—but rarely find.

Who Is Core360 Best For?

Core360 is ideal for:

• Mid-sized businesses with 50–2,000+ W2 employees

• Companies looking to optimize spend without cutting perks

• HR leaders focused on retention, well-being, and compliance

• Organizations aiming to be family-first and future-ready

You don’t need to be a Fortune 500 to offer Fortune-level benefits. You just need the right partner—and the right plan.

Final Thoughts: 125 Flexible Benefits, Transformed

Traditional 125 flexible benefits plans have always offered some tax advantages—but they’ve rarely driven big-picture results. With Core360, Health Sphere has reimagined that foundation to deliver true, modern value to both sides of the employment equation.

It’s not just about saving money—it’s about:

• Improving access to care

• Supporting mental health

• Protecting families

• Growing your team’s loyalty

• And doing it all without increasing your benefits budget

If you’re ready to build a stronger, healthier workforce—and save thousands in the process—Core360 is the solution you’ve been waiting for.

Talk with an Expert

Ready to see how Core360 could work for your team?

Book your free 10-minute consultation with a Health Sphere benefits expert today.

We’ll show you how easy it is to offer better benefits at zero cost, with tax savings you can see in the first payroll cycle.