Most companies are stuck between rising costs and complicated rules when it comes to giving their workers valuable “health care benefits.” But what if there was a better way to give your team more that didn’t cost more or change how things are set up now?
Harmoni125 is a better way to do it. It uses a Section 125 structure before taxes, along with a fully managed Preventative Care Management Plan (PCMP) and a Self-Insured Medical Reimbursement Plan (SIMRP). This makes it one of the most legal and beneficial plans on the market right now.
Harmoni125 is designed for employers who want to do the right thing by their employees without breaking the bank. It saves you money right away, gives your employees better benefits, and doesn’t cost you or your workers anything out of pocket.
What Is Harmoni125?
Harmoni125 is not your typical Section 125 plan. While it includes the tax-advantaged framework of Section 125, it goes far beyond that by integrating:
- PCMP (Preventative Care Management Plan): With proactive care, coaching, and wellness tools, it helps workers stay healthy.
- SIMRP (Self-Insured Medical Reimbursement Plan): Pays for some medical costs in a way that is legal and allowed by the employer.
The result? A complete health benefit plan that is fully compliant, controlled, and ready to go in just 30 to 45 days. There is no change to the coverage you already have, no cost to adopt, and no extra work for your team.
Why Pre-Tax Section 125 Matters
At the core of Harmoni125 is the pre-tax Section 125 structure. This part of the plan lets workers pay for certain perks with money that hasn’t been taxed yet. This lowers their taxable income and raises their take-home pay. The company also doesn’t have to pay as much payroll tax.
In short, it’s a win-win:
- Employees keep more of their paycheck
- Employers save on taxes without sacrificing value
But again, Harmoni125 is more than just a pre-tax Section 125 plan. It’s enhanced with PCMP and SIMRP, making it one of the few solutions that offer real preventative care, family support, and long-term savings in a seamless, compliant package.
Employer Benefits: Behind-the-Scenes Value
Many business owners are surprised to learn that Harmoni125 can save them around $680 per W2 employee each year. That’s $68,000 in annual savings for a 100-person company, without changing anything about their existing health coverage or benefits platform.
Key employer benefits include:
- 600–800 per year in savings per employee
- Zero out-of-pocket cost to implement or maintain
- Lower healthcare claims (up to 1,400 in savings over 3 years)
- 30–45 day implementation with full support
- Boosts retention and morale
- Immediate bottom-line impact
Because it works quietly in the background and requires no overhaul of your current benefits package, Harmoni125 is one of the most efficient ways to offer more without doing more.
Employee Benefits: Real Support, Zero Trade-Offs
One of the most compelling reasons to offer Harmoni125 is what it delivers to your employees. Unlike many traditional benefit upgrades that come with higher premiums or confusing restrictions, Harmoni125 offers real, everyday support, with no change in take-home pay and no out-of-pocket costs for employees.
Employee benefits include:
- No copay 24/7, Doctors, nurses, and coaches can be reached through telehealth.
- Help with mental health, addiction recovery, and therapy
- Wellness tools and personal health screens from the Mayo Clinic
- Life, disability, and critical illness insurance for everyone
- Included was coverage for spouses and children
- There will be no changes to your pay or benefits.
Harmoni125 is already used by more than 30,000 workers, and that number is growing quickly. Giving your team real help with their health and family life isn’t just a perk; it’s a powerful way to show you care.
How Harmoni125 Works
Implementation is fast, simple, and fully managed. Here’s what the process typically looks like:
- Discovery Call:
You’ll connect with a HarmoniCare specialist to assess your workforce size, payroll setup, and goals. - Custom Proposal:
You receive a detailed, transparent breakdown of projected savings and implementation details at no cost. - Launch Within 30–45 Days:
Harmoni125 is rolled out with minimal employer involvement. We handle employee onboarding, education, and compliance. - Ongoing Support & Reporting:
We manage all administration, provide access to tools and support, and offer performance tracking and reporting.
There’s no disruption, no added work for your HR team, and no risk. Just a measurable value that starts from day one.
Why Employers Are Making the Switch
In today’s competitive labor market, benefits play a key role in recruiting and retaining talent. However, many companies can’t afford to add new costs or take on the administrative headache that often comes with benefits changes.
That’s where Harmoni125 stands apart.
It offers the balance employers are looking for:pre tax section 125
- High-value, health-first benefits for employees
- Tax savings and lower claims for the business
- A fully managed, behind-the-scenes rollout
- No disruption to existing coverage
This isn’t about checking a compliance box—it’s about creating a healthier, more loyal, and more productive workforce. All while protecting your bottom line.
A Compliant, Modern Solution for Today’s Employers
The key to Harmoni125’s success is its compliance-first approach. It was built by experts in tax law, employee benefits, and healthcare administration. Every component—Section 125, PCMP, and SIMRP—is IRS-compliant, fully documented, and designed to integrate seamlessly with your existing setup.
As the landscape of employee benefits continues to evolve, Harmoni125 offers a modern, proven solution that helps businesses adapt without added cost, complexity, or compromise.
Start Making a Smarter Impact
If you’re looking for a better way to offer health care benefits for employees—one that’s tax-advantaged, compliant, and cost-free—Harmoni125 is the plan to consider.
Let us show you how easy it is to implement, how much you can save, and how powerfully it can impact your team’s well-being.
Book your 10-minute consultation today
Let’s talk about what Harmoni125 could do for your business.health care benefits for employees