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Helping Businesses Provide Better Healthcare and Benefits to Their Employees
Trusted by businesses nationwide with over 46,000 employees enrolled.
Why Employee Benefits Matter
Employees expect more than just a paycheck. They need access to affordable healthcare, tax-free benefits, and financial security. A Section 125 plan allows businesses to provide better benefits at no additional cost to the company, helping to attract and retain top talent.
The Challenges Employees Face:
High Healthcare Costs
Rising insurance premiums and out-of-pocket expenses make healthcare less accessible.
Limited Access to Tax-Free Benefits
Without a pre-tax benefits plan, employees pay more in taxes and keep less of their paycheck.
Lack of Benefit Awareness
Many workers don’t know how to maximize their compensation with tax-advantaged benefits.
Harmonicare makes it easy for businesses to support their employees by reducing healthcare costs and improving financial stability.
A Better Way to Support Your Employees
What a Section 125 Plan Offers Employees
A Section 125 Cafeteria Plan provides employees with an easy way to save money on essential healthcare and benefit costs.
Lower Healthcare Expenses
Employees can pay for medical, dental, and vision insurance premiums with pre-tax dollars, reducing their overall costs.
Pre-Tax Savings on Essential Expenses
Employees can set aside pre-tax earnings for dependent care, medical expenses, and commuter benefits.
Increased Financial Security
Lower taxable income allows employees to keep more of their earnings while still receiving valuable benefits.
Greater Benefit Options
Employees have flexibility in choosing benefits that best meet their needs.
Seamless Implementation With No Administrative Work
Full setup and integration completed in 30-60 days.
No disruption to current benefit plans or major medical coverage.
Hands-off administration—Harmonicare handles everything from compliance to employee onboarding.
How Harmonicare Helps Your Business and Your Employees
Implementing a Section 125 plan is a simple way for businesses to offer better benefits without increasing costs. Harmonicare ensures a smooth, compliant setup process so companies can focus on supporting their employees.
No Additional Costs to Employers
A Section 125 plan does not require employer contributions.
Improved Employee Satisfaction and Retention
Offering tax-free benefits increases job satisfaction and makes
your company more competitive in the job market.
Flexible Benefit Options
Employees can choose from various pre-tax benefits that suit
their needs.
Compliant and Easy to Administer
Harmonicare ensures your plan meets all IRS and Department of Labor regulations while integrating with your existing payroll system.
What Employees Can Use Pre-Tax Benefits For
A Section 125 plan allows employees to set aside pre-tax dollars for essential expenses, including:
Healthcare & Medical Expenses
- Health, dental, and vision insurance premiums
- Prescription medications
- Medical co-pays and deductibles
Dependent Care Assistance
- Childcare costs
- Elder care expenses
- After-school programs
Employer Benefits & Tax Savings
A Section 125 plan provides significant cost savings to businesses while improving employee benefits.
Lower Payroll Taxes
Employers save 7.65% on payroll taxes for every participating employee.
Increased Employee Satisfaction
A well-structured benefits package improves morale and retention.
No Added Costs
The program is employee-funded, meaning no additional expenses for employers.
Fully Compliant & Risk-Free
Harmonicare ensures your plan is IRS and Department of Labor compliant.
On average, employers save $600-700/year per qualified W2 employee
Simple Implementation & Payroll Integration
Harmonicare makes it easy for businesses to set up and manage a Section 125 plan with a streamlined, fully compliant process.
Plan Design & Setup
We help businesses create a customized Section 125 plan tailored to their workforce.
Employee Enrollment & Communication
We provide education and support materials to ensure employees understand their benefit options.
Payroll Integration
Our plans integrate with major payroll providers for easy pre-tax deductions and accurate tracking.
Ongoing Support & Compliance
We handle annual reviews, IRS compliance updates, and ongoing plan management.
Seamless Payroll Integration With Major Providers
Harmonicare integrates with leading payroll and HR software to ensure smooth benefit administration.
What Our Clients Are Saying
Harmonicare has helped businesses across industries provide better benefits to their employees while reducing costs. Here’s what some of our clients have to say:
Why Businesses Choose Harmonicare
46,000+ Employees Enrolled
Proven experience in managing Section 125 plans nationwide.
7+ Years of Experience
Helping businesses across industries maximize tax-advantaged benefits.
Dedicated Support
Our team provides full-service guidance to ensure your employees maximize their benefits.
Compliance Guaranteed
Our plans meet all IRS and Department of Labor requirements.
Seamless Enrollment Process
Simple and efficient onboarding for both employers and employees.
Customizable Benefits Plans
Tailored to fit the specific needs of your business and workforce.
Frequently Asked Questions
What is a Section 125 plan?
A Section 125 plan, also known as a Cafeteria Plan, allows employees to pay for eligible benefits using pre-tax earnings, reducing their taxable income and overall expenses.
How do employees save money with a Section 125 plan?
Employees can use pre-tax earnings to pay for health insurance premiums, medical expenses, dependent care, and other qualified benefits, lowering their overall taxable income.
Does a Section 125 plan cost anything for employers?
No. Section 125 plans do not require additional employer contributions. Employers can offer these benefits at no cost while improving employee satisfaction.
How long does it take to set up a Section 125 plan?
Most businesses can have their plan set up and running within 30-60 days, with full payroll integration for seamless administration.
Get Started with Harmonicare Today
A Smarter Way to Support Your Employees
Harmonicare makes it easy for businesses to provide affordable, tax-free benefits to their employees while reducing administrative burdens. Our Section 125 plans offer a cost-effective way to improve healthcare options and enhance overall compensation packages.
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