Thrive+ Payroll Tax Savings Section 125 Plan
Empower your business with tax savings & enhanced employee benefits, through our innovative pre-tax benefits program.
- No out-of-pocket cost
- Flexible Benefits for employees
- Payroll tax savings for employers
The #1 Section 1 25 plan approved by all 50 states. Following the highest standards in IRS, ACA and HIPAA compliance.
- 12+ Extra health benefits
- Average saving of ~$680/ year per W2 employee
Learn everything you need in just 2 minutes.
Offer More. Spend Less. Stay Compliant.
HealthSphere presents a fully managed, IRS-compliant solution that helps employers lower payroll taxes while improving employee benefits—without changing existing plans or adding admin work. The program combines a Section 125 Cafeteria Plan with Preventative Care and Medical Reimbursement components, allowing employees to use pre-tax dollars and receive reimbursements. This keeps take-home pay the same—or even higher—while employers save up to $600 per qualified W-2 employee each year.
Employees see an extra $50–$100 per month in their paychecks and get access to over a dozen tax-free benefits, including 24/7 telemedicine, Mayo Clinic preventive care, vision and dental discounts, mental health support, and family care services. The program integrates with 50+ payroll systems, meets IRS, ACA, and HIPAA requirements, and supports year-round enrollment. Over 70,000 employees are already enrolled.
Benefits for Everyone
Starting today, CEOs, CFOs, and HR managers can offer employees enhanced supplemental health benefits—while reducing their FICA payroll tax costs.
For Employees
W-2 employees enrolled in the program see an average increase of $100/month in their take-home pay (based on a $24,000 salary).
- Take-home pay increase
- Access to supplemental health benefits
- Spousal & dependent coverage enhancements
- 10+ Other benefits
For Employers
Companies save $600-700 per W-2 employee annually in payroll taxes. No changes or disruptions to your existing benefit plans—everything stays exactly the same.
- Immediate FICA tax savings every payroll
- Seamless payroll integration with 50+ providers
- 30% increase in employee satisfaction.
- Zero Out-of-Pocket Cost
Thrive+ Section 125 Calculator
Estimate how much your company and employees could benefit in seconds. With our Cafeteria Plan, also know as Section 125, savings calculator.
For employer:
Employer Breakdown (per employee):
FICA Savings:
$85/mo
Administrative Fee:
$35/mo
Net Savings:
$50/mo
For employees:
W-2 Employee Breakdown:
Total Tax Savings:
~$277/mo
Total Policy Cost:
~$188.00/mo
Net increase:
~$90/mo
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What is a Thrive+ Section 125 Plan?
A Thrive+ Section 125 Plan, also known as a Cafeteria Plan, , also known as a Cafeteria Plan, was established by the IRS in 1978 to allow employees to allocate a portion of their salary toward qualified benefits on a pre-tax basis. This reduces taxable income, resulting in lower payroll taxes for both employees and employers. Common benefits covered under Section 125 include health insurance, dental and vision plans, and other eligible medical expenses.
Employers can leverage our custom Thrive+ Section 125 Plan to offer pre-tax health benefits to their W-2 employees, effectively lowering FICA taxes while enhancing overall compensation. HealthSphere provides a self funded Section 125 Plan combined with a Preventative Healthcare Management program and an SIMRP at no out-of-pocket cost, ensuring businesses save thousands annually while employees enjoy a net paycheck increase—a win-win for both employers and their workforce.
For Employers
Significant Pay roll Tax Savings
Employers save $600-800 per year per employe annually in payroll taxes, reducing overall business expenses while improving cash flow.
Zero Out-of-Pocket Cost
The program is fully 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 50+ payroll providers, ensuring a smooth and hassle-free process.
Increased Employee Retention & Satisfaction
Employees keep the same take-home pay while gaining better benefits, leading to a 60% reduction in turnover and a 35% increase in employee satisfaction.
Immediate ROI & Compliance Assurance
Our program is 100% IRS, ACA, and Department of Labor compliant, protecting businesses from audits or penalties while delivering immediate financial benefits.
Fast & Hassle-Free Implementation
The plan is fully implemented within 30–45 days, requiring no ongoing management from the employer.
For Employees
Higher Take-Home Pay
Enjoy a ~$100/month increase in net-take home (3-4% of gross salary)
24/7 Telemedicine & Health Support
Employees can talk to a doctor anytime, anywhere, reducing wait times and improving healthcare access.
Spousal & dependent coverage enhancements
Provides expanded healthcare benefits for employees’ spouses and eligible dependents.
Discounts on Vision, Dental & Prescriptions
Lower out-of-pocket costs for eye care, dental services, and prescription medications.
Mental Health & Counseling
Confidential therapy and emotional support resources for improved mental well-being.
Mayo clinic Programs
Enjoy the Mayo Clinic’s Diet & Nutrition Program and Stress Management Plan
Simplified Onboarding: A Smooth 4-Step Process
We’ve designed a seamless, hassle-free process to get your Section 125 Plan up and running in just 30-45 days. No heavy lifting—just savings and benefits for your business and employees.
Step 1: Quick Eligibility Assessment
We analyze your workforce to determine how much you can save and ensure compliance with IRS, ACA, and HIPAA regulations.
Step 2: Seamless Payroll Integration
Our team works directly with your payroll provider (50+ supported) to ensure a smooth and automated setup.
Step 3: Employee Enrollment & Education
We handle all employee onboarding, answering questions, managing enrollments, and ensuring participation—at no cost to you.
Step 4: Go Live & Start Saving
Your Section 125 Plan is fully implemented within 30-45 days, delivering immediate tax savings and enhanced employee benefits with zero ongoing management required.
We seamlessly integrate with 50+ Payroll providers
No disruptions. No admin work. Fully hands-off rollout in 30–45 days.
Why Choose Health Sphere?
Since 2018, Health Sphere has been at the forefront of Section 125 solutions, helping employers maximize tax savings while enhancing employee benefits. Our program is licensed by the Department of Insurance, ensuring compliance and security for businesses of all sizes.
We’ve rigorously tested numerous vendors and carriers, securing legal approvals from top firms to build a 100% IRS, ACA, and HIPAA-compliant solution. With Health Sphere, you get a turnkey, risk-free benefits program that integrates seamlessly with your payroll—delivering immediate ROI with no upfront cost.
Join the thousands of businesses that trust Health Sphere for cost-saving, high-impact benefits.
100% IRS, ACA, & HIPAA Compliant – Guaranteed
At Health Sphere, compliance isn’t an afterthought—it’s the foundation of our Section 125 Plan. 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.
Fully Approved & Licensed
Our Section 125 Plan is licensed by the Department of Insurance and approved in all 50 states.
IRS, ACA & DOL Compliant
Built to meet all federal and state tax guidelines, ensuring your business is protected.
HIPAA Secure
Employee health data is handled with strict privacy and security measures.
Audit-Proof Documentation
We provide all required IRS filings, compliance records, and legal support.
Legal Opinion Letters from Top Firms
We continuously obtain updated legal opinion letters from multiple law firms, ensuring our plan remains fully compliant with the latest IRS memos and regulatory changes.
Trusted by thousands of employers, CPAs, and auditors—ensuring peace of mind with zero compliance risk.
What our clients say
Frequently Asked Questions
Frequently Asked Questions
What exactly is the Core360™ Plan?
Core360™ is our fully managed pre-tax benefits program that combines a Section 125 Plan with additional IRS-compliant tools to help employers save on payroll taxes while providing extra benefits to employees—at no cost to either side.
How much can our company save?
Most employers save $600–$700 per qualified W-2 employee per year, which can add up to $60,000–$150,000 annually depending on headcount.
Does this impact employee paychecks or our existing benefits?
No. Employees see no reduction in take-home pay, and in many cases their take-home increases by $100/month. Your current benefit plans, including major medical, remain unchanged.
How long does it take to implement?
We handle everything. Setup and integration typically take 30–60 days, with no administrative work required from your team.
What size companies qualify for this?
Any U.S.-based company with at least 10 full-time W-2 employees that offers health benefits can usually qualify.
Is Core360™ IRS-compliant?
Yes. Our program is built on IRS Code Section 125 and 213(d) compliant benefits. All documentation and compliance testing is included.
What does it cost to get started?
There is no upfront cost to implement the Core360™ Plan. The program is fully self-funded through tax savings and requires no budget approval.
Book a 15-minute Discovery Call
Discover How You Can Save $600–$700 Per Employee Annually, Reduce Payroll Taxes, and Offer Employees Better Benefits at No Cost.
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Get Your Free Savings Proposal Within 48 Hours
Get in touch today for your free, no-obligation savings proposal. Our self-funded Section 125 plan can be fully implemented in just 60–90 days — with no upfront cost and immediate, substantial savings for your business.
Our team will get back to you within 24-48 hours!
Empower Your Business with Tax Savings & Enhanced Employee Benefits.