As healthcare costs continue to rise, many employers are asking: how can we offer strong benefits without breaking the bank? The answer lies in a smarter, more modern solution, Harmoni125, a fully managed program built on the foundation of Section 125 of the IRS Code.
If you’re looking to set up a health plan Section 125, the Harmoni125 program by Harmoni Care makes it simple, compliant, and cost-free to implement. It combines the power of a Section 125 employee cafeteria plan with two additional components: a Preventative Care Management Plan (PCMP) and a Specialized Insurance Medical Reimbursement Plan (SIMRP). Together, they create a full-spectrum employee wellness solution that offers significant financial and health benefits for both sides.
Here’s how to get started.
What Is a Section 125 Plan?
A Section 125 plan, often called a cafeteria plan, allows employees to pay for certain health-related expenses, like insurance premiums and medical services, using pre-tax dollars. This reduces their taxable income while lowering the employer’s payroll tax obligations.
But Harmoni125 does more than just pre-tax benefits. It integrates wellness care, insurance reimbursements, and full family coverage into one seamless system, all at no out-of-pocket cost to you.
Step 1: Choose the Right Section 125 Partner
Many Section 125 plans require business owners to juggle multiple vendors, handle compliance paperwork, and communicate benefit changes to employees. With Harmoni Care, everything is managed for you.
Harmoni125 includes:
- Plan design, onboarding, and compliance setup
- Employee education and enrollment support
- IRS-ready documentation and automated administration
- Ongoing maintenance and support throughout the year
We don’t just offer a Section 125 cafeteria plan. We offer a fully packaged health and wellness solution tailored to W-2 workforces.
Step 2: Understand the Business Impact
Once Harmoni125 is implemented, your business will see an immediate financial upside, without changing your current payroll structure.
Here’s what employers get:
- $1,100/year savings per W-2 employee
- 5–10% reduction in total healthcare costs
- Implementation in just 30–45 days
- Reduced claims over time (up to $1,400 saved over 3 years)
- No disruption to existing benefits or providers
- Improved retention, morale, and productivity
There’s zero cost to implement, and the savings are hard to ignore.
Step 3: Unlock Meaningful Benefits for Your Team
The Harmoni125 plan offers one of the most comprehensive employee cafeteria plan experiences available. It’s built to support not just the employee, but their family too, without increasing their payroll deductions.
Employees enrolled in Harmoni125 receive:
- $0 Copays on all covered care
- 24/7 Telemedicine and Virtual Care
- Family Coverage with 12 Annual In-Person Visits
- In-person Urgent Care Access
- RX Coverage with No Copays
- Mental Health, Addiction Support, and EAP
- Mayo Clinic Wellness Tools and Health Dashboard
- Minimal Essential Coverage (MEC)
- Group Term Life Insurance valued at $60–$100/month
- Discounts on Vision, Dental, and Prescriptions
All of these benefits extend to spouses and dependents, at no extra cost.
Step 4: Roll Out with Confidence
Harmoni Care handles all onboarding logistics, employee outreach, and IRS documentation. We work directly with your team to ensure seamless adoption of the health plan Section 125.
You’ll get:
- A detailed compliance roadmap
- Payroll integration support
- Employee-facing benefit guides
- One-on-one support throughout the year
There’s no risk, no setup fee, and no complexity added to your operations. Just better benefits with real savings.
Compliance, Clarity, and Continuous Support
One of the biggest challenges employers face when setting up a Section 125 plan is making sure everything stays compliant. IRS documentation, nondiscrimination testing, and ACA requirements can create unnecessary stress for HR and payroll teams. With Harmoni125, all of this is handled for you. Our compliance specialists prepare the required filings, maintain records, and ensure the plan remains audit-ready year after year.
But compliance is only half the story. Employees receive clear education and ongoing support so they understand and use their benefits fully. The result? Higher participation, stronger adoption, and a program that saves your business money while delivering meaningful healthcare value. With Harmoni125, compliance and communication are built right in.
Why Harmoni Care?
With more than 30,000 employees enrolled in Harmoni125 and growing, Harmoni Care is a leading provider of tax-advantaged health benefit solutions. We’re not just offering another Section 125 plan; we’re delivering a next-generation health and wellness platform that aligns with your business goals.
When you’re ready to boost retention, reduce healthcare costs, and simplify benefits management, Harmoni125 is the proven solution.
A Better Benefits Strategy Starts with Harmoni125
Let’s make employee health benefits program smarter, more affordable, and future-ready. Get a Free Proposal today to learn how Harmoni125 can deliver results for your business.