Many employers are stuck choosing between affordability and quality when offering health benefits. But what if you didn’t have to make that trade-off? With Harmoni125 from Harmoni Care, employers can deliver rich, meaningful health benefits without spending extra or disrupting existing plans.
Harmoni125 is not just a typical Section 125 plan. It leverages Sec 125 health plan alongside a fully managed Preventative Care Management Plan (PCMP) and Self-Insured Medical Reimbursement Plan (SIMRP). The result? One of the most compliant, tax-efficient, and benefit-rich programs available today.
Let’s break it down and explore how Harmoni125 creates real value for employers and employees.
What Is a Section 125 Plan?
A Section 125 health plan enables workers to use pre-tax funds for specified health benefits through its cafeteria plan framework. Reducing employee taxable income through a Section 125 health plan minimizes payroll expenses for both organizations.
However, Harmoni125 goes far beyond this by integrating additional layers of value. Instead of just a cafeteria plan, it leverages Section 125 in a broader, more strategic way, creating a fully managed health benefit solution that works quietly in the background.
What Makes Harmoni125 Different?
Harmoni125 is built for employers who want to offer something better, without increasing costs or burdening their teams with administrative tasks. Here’s how it works:
- Combines Section 125 with PCMP + SIMRP
The unique blend delivers wellness, preventative care, and reimbursements for medical expenses in one seamless package. - Automated, fully managed system
Setup and implementation take just 30–45 days. Everything is handled for you. - Zero disruption to existing plans
Employees can keep their health coverage—Harmoni125 works alongside it to enhance benefits.
Why Employers Choose Harmoni125
For businesses, the numbers speak for themselves. With Harmoni125, employers can expect:
- $600–800 in savings per employee, per year
That’s about $68,000 in savings for every 100 employees, without spending a single extra dollar. - No out-of-pocket cost to the employer
The program funds itself through the payroll tax savings it creates. - Reduced claims costs
Providing preventative services reduces average claims by around $1,400 over three years. - Faster onboarding
Implementation is quick—just 30–45 days—and doesn’t require changes to current benefits. - Improved retention and morale
Enhanced benefits contribute to a more engaged, satisfied workforce. - Immediate impact on the bottom line
Employers see real savings and workforce benefits without any upfront investment.
Benefits for Employees
While employers enjoy cost savings, Harmoni125 also delivers substantial advantages to employees. The plan offers a wide range of basic benefits for employees, at no extra cost and with zero disruption to their take-home pay.
- No change to net pay
Employees keep the same take-home amount thanks to pre-tax deductions. - $0 copay Telehealth access
Around-the-clock access to doctors, nurses, and health coaches. - Mental health and addiction support
Employees have access to counseling, mental wellness tools, and addiction services. - Spouse and dependent enhancements
Benefits extend beyond the employee to cover loved ones, too. - Universal Life, Disability, Critical Illness coverage
These important coverages are included in the plan, often at no extra cost. - Access to Mayo Clinic wellness tools
A comprehensive health dashboard keeps employees in control of their wellness journey.
This is why more than 30,000 employees are already enrolled in Harmoni125 and enjoying these benefits.
What Employers Need to Know About Compliance
Offering a sec 125 health plan can feel daunting, especially when compliance is on the line. With Harmoni125, compliance is baked into the system. The plan is structured and managed by experts to ensure it meets IRS and DOL guidelines every step of the way.
That means:
- No legal headaches
- No DIY paperwork
- No compliance risks for your team
You simply enroll; the rest is handled through a secure, automated platform.
More Than Just Savings—It’s About Harmony
At Harmoni Care, we believe in striking the right balance between doing what’s best for your people and protecting your business’s bottom line. That’s the philosophy behind Harmoni125.
It’s a quiet, behind-the-scenes solution that introduces meaningful, tax-advantaged health benefits without any added cost or disruption. You don’t have to give up control or make significant plan changes to see real impact.
We call it balance without trade-offs, and it’s what makes Harmoni125 different from any other option.
Key Takeaways for Employers
Here’s what you gain when you implement Harmoni125:
- Save $600–800 per W2 employee each year
- Zero out-of-pocket expense
- Reduce claims by up to $1,400 over 3 years
- Fast, 30–45 day implementation
- Enhanced employee benefits
- No change to current insurance plans
- Boosted employee satisfaction and retention
It’s a win-win that empowers your team and strengthens your business—all in one integrated solution.
Ready to See the Impact?
The truth is, most employers are already spending thousands each year on health benefits. But few are getting the full return on that investment.
Harmoni125 was created to change that. It leverages Section 125 in a smarter, more strategic way and delivers basic benefits for employees that go far beyond expectations.
You don’t need a big budget to deliver significant value. You just need the right partner and a plan built to align with your goals.