Is Your Business Overpaying on Taxes Due to Poor Health Benefits Structuring?

If you’re an employer offering traditional health benefits and not taking advantage of advanced tax-optimized structures, your business might be leaving thousands of dollars on the table. The truth is, most companies are overpaying in payroll taxes simply because their health insurance and benefits plans aren’t structured to work in their favor.

But what if you could reduce your tax burden, improve employee well-being, and do it all at no out-of-pocket cost? That’s exactly what Health Sphere’s Core360 plan delivers.

Let’s break it down.

The Hidden Cost of Traditional Health Benefits

Employers typically offer health insurance and benefits through legacy plans that only scratch the surface of what’s possible. These plans often:

Fail to maximize tax savings

Create administrative headaches

Offer limited value to employees

Leave money on the table through higher healthcare claims

Traditional programs don’t include powerful structures like Section 125, a Preventative Care Management Plan (PCMP), or a Self-Insured Medical Reimbursement Plan (SIMRP). That means businesses are paying more in medical and taxes than necessary—without realizing it.

Introducing Core360: Smarter Benefits, Bigger Savings

Core360 by Health Sphere is not your average benefits plan. It’s a fully managed, automated, and compliant solution that integrates Section 125 with a robust PCMP and SIMRP. It’s designed for businesses that want to save money, empower their teams, and do it all without adding complexity or cost.

Here’s how Core360 works:

It leverages Section 125 to allow for pre-tax benefit deductions.

Adds a fully managed PCMP to improve employee health and reduce claims.

Integrates SIMRP to unlock non-taxable medical reimbursements.

This trifecta creates one of the most benefit-rich and tax-smart programs available today.

Why Health Sphere Is Different

Health Sphere’s Core360 plan exists for one reason: to help employers improve employee well-being while cutting tax waste. Our mission is to reach and impact over 250,000 employees with compliant, preventative health solutions that don’t cost employers or employees a dime.

Key differences include:

No out-of-pocket costs for employers

No reduction in take-home pay for employees—in fact, many see a 3–4% increase

Fast rollout (30–45 days)

100% automated and compliant

Includes Mayo Clinic wellness tools, $0 copay Telehealth, and enhanced coverage for spouses and dependents

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

Tax Savings That Impact the Bottom Line

Let’s get specific. With Core360, employers save approximately $600 per W2 employee per year. That’s $60,000 per 100 employees. For many companies, these savings are immediate and measurable.

By restructuring how medical insurance and taxes are managed, Core360 helps reduce payroll tax liabilities while delivering better care to your team.

Here’s what that looks like:

Fewer claims: the preventative care approach saves $1,400 in claims per employee over three years

Streamlined administration: everything is automated and managed by experts

Instant impact: implementation takes just 30–45 days

A Win-Win for Employers and Employees

You shouldn’t have to choose between cost control and quality health and benefits. Core360 ensures both.

For Employers:

Save ~$600 per W2 annually

No upfront or hidden costs

Boost retention and morale

Improve compliance and reduce audit risk

Lower long-term claims

For Employees:

Net paycheck increase of 3–4% (~$100/month)

$0 copay for Telehealth and wellness tools

Mental health and counseling support

Coverage for spouses and dependents

Universal Life, Disability, and Critical Illness options

Best of all? Employees don’t have to switch providers or give up their current coverage. Core360 works alongside existing benefits.

Real Compliance Without Complexity

Worried about compliance? Don’t be.

Core360 is designed to meet IRS and DOL requirements. The plan is fully managed by experts who ensure every detail—from tax codes to recordkeeping—is handled for you. You don’t have to be a legal expert to provide smarter benefits.

Unlike traditional plans that often involve complex paperwork and ambiguous guidelines, Core360 offers full clarity and control. It’s simple, structured, and built to scale.

What Happens If You Don’t Restructure?

Doing nothing could be costing your business more than you think.

If you’re not taking advantage of integrated plans like Core360, you’re likely overpaying medical insurance and taxes and offering less value to your team. That can result in:

Higher employee turnover

Lower retention and productivity

More claims and higher premiums

Missed tax-saving opportunities

In contrast, companies using Core360 are seeing immediate financial impact, improved team morale, and long-term healthcare savings—all without making disruptive changes.

The Future of Employee Benefits Is Here

At Health Sphere, we believe better benefits should be simple, impactful, and beneficial for everyone involved. With Core360, you’re not just offering health insurance and benefits—you’re providing a smarter, tax-optimized solution that drives real value.

Our commitment is clear: