Rising healthcare costs. Growing staff turnover. Narrow margins. Many business owners find it impossible to strike a balance between what is sustainable for the bottom line and what is best for their staff members. Harmoni125 is a more intelligent, more balanced approach to provide significant health advantages by means of a contemporary spin on the conventional Section 125 Plan.
Harmoni125 isn’t just another cafeteria plan. It’s a fully managed, tax-advantaged solution designed to work quietly in the background, helping you reduce costs, enhance employee well-being, and preserve your existing health coverage. And best of all? It comes with zero out-of-pocket cost and no disruption to your current business medical insurance plans.
Let’s break down how Harmoni125 works, how it’s different from traditional options, and how your company can start saving—without trade-offs.
What Is Harmoni125?
Harmoni125 is an advanced employee benefit plan that leverages Section 125 together with a fully managed Preventative Care Management Plan (PCMP) and Self-Insured Medical Reimbursement Plan (SIMRP). This tri-fold structure makes Harmoni125 one of the most compliant and benefit-rich programs available today.
Unlike outdated cafeteria plans that only meet IRS minimums, Harmoni125 is built to go further:
- Reduce employer payroll taxes by an average of $680 per employee per year
- Decrease healthcare claims by about $1,400 over 3 years
- Boost retention with added benefits that employees truly value
- Require no out-of-pocket costs and zero changes to existing health plans
Why It’s Not Just a Traditional Section 125 Plan
A traditional Section 125 plan allows employees to pay for eligible benefits with pre-tax dollars, reducing their taxable income. It’s useful—but basic.
Harmoni125 takes this model and transforms it into a high-performance tool for both employers and employees.
Here’s how it’s different:
| Traditional Section 125 Plan | Harmoni125 |
| Only offers tax savings on premiums | Offers tax savings plus enhanced wellness and supplemental benefits |
| No impact on healthcare claims | Reduces claim volume and spend |
| Little to no employee engagement | Delivers value through 24/7 Telehealth, mental health, and lifestyle benefits |
| Administrative burden on the employer | Fully managed, automated rollout |
By integrating PCMP and SIMRP, Harmoni125 enhances what a standard plan can do—quietly working behind the scenes to bring harmony between business needs and employee care.
Employer Benefits of Harmoni125
For employers looking to reduce costs while offering better benefits, Harmoni125 delivers real, measurable results:
- Average savings of $680/year per W2 employee (up to $68K per 100 employees)
- Zero out-of-pocket cost to implement or maintain
- Reduced healthcare claims, easing the burden on your primary plan
- 30–45 day implementation, fully automated and compliant
- Boosted retention and employee performance
- Immediate bottom-line impact with long-term value
This isn’t theoretical—it’s already working. More than 30,000 employees are enrolled in Harmoni125 today, and that number is growing fast.
Employee Benefits: No Trade-Offs, Just More
One of the best parts of Harmoni125? Your team doesn’t have to give up anything to benefit from it.
Employees experience:
- No change in take-home pay
- $0 copay 24/7 Telehealth for medical, mental health, and coaching services
- Access to Mayo Clinic-backed health tools and personalized dashboards
- Coverage for Universal Life, Disability, and Critical Illness
- Spouse and dependent enhancements included
- Discreet enrollment process with ongoing support
It’s all about quiet impact—valuable benefits that make a difference without disrupting the employee experience.
How It Works Behind the Scenes
We understand the hesitation many business owners feel about new benefit plans—especially when your current business medical insurance plans seem to be working “well enough.”
That’s why Harmoni125 is designed to integrate without interfering.
Here’s what the implementation process looks like:
- Consultation – A 10-minute conversation to understand your workforce and current benefit setup
- Plan Customization – We tailor Harmoni125 to work in harmony with your existing coverage
- Employee Onboarding – Simple, digital enrollment supported by benefit education
- Ongoing Management – We handle compliance, reporting, and updates so you don’t have to
Your HR and finance teams don’t need to lift a finger. You’ll see the savings show up directly on your payroll and P&L statements within the first quarter.
Why Businesses Choose Harmoni125
Harmoni Care is built around a simple philosophy: Balance without trade-offs.
We believe you shouldn’t have to choose between your team’s well-being and your company’s financial health. Harmoni125 brings those priorities into alignment through:
- Efficiency meets care – Tax savings plus improved wellness tools
- Quiet impact – No major plan changes, just measurable behind-the-scenes value
- Long-term harmony – Sustainable benefits that adapt to your business
And with more than 30,000 employees already enrolled and satisfied, Harmoni125 is proving itself as the smarter path forward for modern employers.
Is Harmoni125 Right for Your Business?
If you’re managing 50+ employees and offering standard business medical insurance plans, you’re likely already paying thousands in unnecessary taxes and claim costs.
Harmoni125 can help you:
- Lower your payroll tax liability
- Add high-impact benefits without raising costs
- Keep your current plan in place
- Roll out a fully managed program in just weeks
In short, you can do more with less. That’s the power of Harmoni125.
Final Thoughts
Choosing the right benefits program isn’t just about numbers—it’s about moving in harmony with your employees’ needs and your business realities. With Harmoni125, you don’t have to compromise.
You get a fully compliant, tax-advantaged benefit structure that reduces costs, enhances care, and works behind the scenes to create real impact.
Ready to see how much your company could save?
Book your 10-minute consultation today.