If you’re offering a Section 125 health insurance plan at your company, that’s a smart move. These pre-tax benefit programs are a win-win: they reduce payroll taxes for your business and increase take-home pay for your team. But here’s the thing: just having a plan in place isn’t enough.

What really matters is what’s inside that section 125 plan document.

A barebones plan might be technically compliant, but it could be costing you thousands in missed savings and keeping your employees from getting the full value they deserve. That’s why it’s worth asking: Does your Section 125 plan document actually cover all eligible benefits?

At Health Sphere, we help businesses maximize the value of their 125 plans through two powerful solutions: Revive and Thrive. These aren’t just check-the-box plans. They’re built to deliver real care to your team and real savings to your bottom line.

What Is a Section 125 Plan Document, and Why Does It Matter?

Think of your Section 125 plan document as the playbook for your company’s tax-free benefits. It defines which benefits employees can pay for pre-tax, who’s eligible, and how it all works.

If it’s outdated, missing categories, or too limited, your company may not be fully compliant, and you’re almost certainly leaving value on the table.

A strong 125 health insurance plan does more than just meet IRS standards. It gives your people access to high-quality, everyday care and helps you cut healthcare costs by up to 10%. Done right, it’s one of the most efficient ways to support your team and protect your budget.

What Should Be Included in a Modern Section 125 Plan?

A lot of employers stick with the basics, just pre-tax health premiums or minimal coverage options. But that’s not what your team needs. And it’s definitely not what helps your business the most.

A comprehensive, modern Section 125 plan document should support your employees and their families, offer real health and wellness tools, and create real savings. That’s exactly what Health Sphere’s Revive and Thrive plans are built to do.

The Revive Plan: Maximum Coverage, Maximum Savings

The Revive plan is a high-impact solution designed for employers who want to lower costs while offering big-time support to their team. It helps you save an average of $1,100 per W-2 employee per year, plus a 5–10% reduction in healthcare costs overall.

That’s real savings, without cutting a single corner.

But what makes Revive truly stand out is how much it gives your employees and their families.

Here’s what’s included:

• 24/7 Telemedicine & Virtual Care – Anytime access to doctors, no appointments or waiting rooms.

• 12 Annual Care Visits – Per family, not just the employee. That includes spouses and dependents.

• Employee Assistance Program (EAP) – Support for mental health, stress, and personal challenges.

• Mayo Clinic Programs – Trusted medical guidance from one of the most respected names in healthcare.

• Minimal Essential Coverage (MEC) – Keeps you compliant and covered.

• Group Term Life Insurance – A hugely valuable benefit worth $60–$100/month, included at no added cost.

• Vision, Dental & Prescription Discounts – Real help with everyday expenses.

• RX Coverage (No Copays) – That’s right, no copays for prescriptions.

• In-Person Urgent Care Access – Because sometimes virtual care isn’t enough.

All of it comes with $0 copays, not just for the employee, but for their spouse and dependents too.

If your current plan doesn’t include benefits like group term life insurance or family-wide virtual care, it’s time for an upgrade.

The Thrive Plan: Boost Paychecks and Prioritize Wellness

Health Sphere’s Thrive plan is designed with employee well-being and payroll efficiency in mind. It helps employers save around $600 per W-2 employee per year while still delivering an incredible experience for their team.

The big differentiator? Thrive increases your employees’ net take-home pay by about $100/month. No gimmicks, just smart tax structuring that works.

What Thrive includes:

• 24/7 Telemedicine & Virtual Care – Health access that fits busy lives.

• Spousal & Dependent Coverage – Family care is covered, not just the employee.

• Mental Health & Counseling Services – Includes individual therapy, couples counseling, and crisis support.

• Mayo Clinic Programs – Digital wellness programs and expert advice.

• Addiction Recovery Support – For employees or loved ones going through tough times.

• Health Vitals Facial Scan Tool – A modern way to check your vitals with just your phone.

• Diet & Stress Programs – Help your team stay well and energized.

• $0 Copays – For all services, including prescriptions and mental health care.

If your current Section 125 plan document doesn’t enable this kind of access, support, and savings, you’re missing out on what modern employees expect and deserve.

What Happens If Your Plan Is Incomplete?

If your section 125 plan document only covers the basics, it might still be technically compliant, but it’s falling short in every other way.

You could be:

• Missing out on thousands of dollars in tax savings

• Offering limited or outdated benefits

• Putting your business at risk for IRS noncompliance

• Failing to support your employees and their families

The Revive and Thrive plans from Health Sphere are built with all of this in mind. They’re fully compliant, easy to implement, and designed to maximize both savings and support.

Why Choose Health Sphere?

Health Sphere makes Section 125 planning simple, strategic, and truly valuable. When you partner with us, you’re not just checking off a compliance box; you’re putting a proven system in place that delivers real results.

With Revive, you get higher savings and life-changing benefits like group term life insurance and full family coverage at $0 copays. With Thrive, you empower your team with higher take-home pay and everyday mental health support.

Either way, you’re offering more to your people, without adding cost to your business.

Final Takeaway

Your Section 125 plan document isn’t just paperwork. It’s a key to unlocking smarter benefits, lower costs, and a stronger workplace culture.

If it doesn’t include benefits like 24/7 family care, $0 prescriptions, or group term life insurance, it’s time to take a closer look.

Health Sphere’s Revive and Thrive plans are here to help. Designed to deliver maximum value with zero disruption, they give you a smarter way to care for your team and your business.