Navigating employee benefits can feel overwhelming, but one solution stands out for both cost savings and improved care, Section 125 health plan. These plans let employees pay for certain health benefits using pre-tax dollars, lowering their taxable income and increasing take-home pay. But when paired with the Harmoni125 plan, the impact goes even further.
It’s not just about tax breaks, it’s about smarter healthcare, $0 copays, family coverage, and powerful tools like 24/7 telemedicine and Group Term Life Insurance. In this blog, we’ll break down how Harmoni125 leverages Section 125 to deliver maximum value, for both employers and employees.
What Is a Section 125 Health Plan?
A Section 125 health plan allows employees to pay for certain benefits with pre-tax dollars, which means they’re using income before taxes are applied. This setup can significantly reduce payroll taxes for both employers and employees. But here’s the twist, Harmoni125 goes beyond just a basic cafeteria plan.
Instead of offering only tax savings, the Harmoni125 program integrates Section 125 with two additional components:
- A Preventative Care Management Plan (PCMP)
- A Self-Insured Medical Reimbursement Plan (SIMRP)
This trio creates a benefits structure that’s not only compliant and fully automated, but also zero cost for employers and offers real value for employees and their families.
Why Harmoni125 Isn’t Just Another Section 125 Health Plan?
Traditional cafeteria plans stop at tax savings. Harmoni125, on the other hand, bundles those savings with comprehensive health benefits, all at $0 copay and with no impact on take-home pay. More than just a tax-saving tool, it’s a robust employee retention and wellness strategy.
Key differentiators of the Harmoni125 plan include:
- Group Term Life Insurance ($60–$100/month value) at no cost to the employee
- 24/7 telemedicine access for employees and their families
- In-person urgent care visits
- Family coverage, including 12 annual care visits
- Mental health and EAP support
- Mayo Clinic health dashboard and wellness tools
- Prescription drug coverage with $0 copays
By including these premium services, Harmoni125 transforms the basic idea of a Section 125 plan into a high-value, cost-efficient health benefit package.
How Pre-Tax Savings Work Under the Harmoni125 Plan?
Reduce Taxable Income, Increase Value
With a Section 125 health plan pre-tax structure, employees contribute toward eligible benefits before taxes are deducted. This means less taxable income, which translates to more take-home savings. Harmoni125 takes it a step further by automating the contributions and backing them with real services.
Employer Tax Advantages
Employers typically save $1,100/year per W2 employee. That’s $110,000 in annual savings for a company with 100 full-time staff, without changing existing benefit plans or adding cost.
Why? Pre-tax contributions lower payroll taxes (FICA, FUTA), and Harmoni125’s structure also helps reduce long-term healthcare claims, an average of 5-10% savings on total healthcare costs.
What Makes Harmoni125 Compliant and Cost-Free?
Automated, Fully Managed Rollout
The Harmoni125 rollout is designed for simplicity and speed, 30-45 days from start to finish. Employers don’t need to touch their existing benefit platforms. Our team handles everything, including:
- Custom implementation
- Education and onboarding
- IRS and ACA compliance checks
No Out-of-Pocket Costs
That’s right, zero out-of-pocket for employers. Employees also pay nothing for the plan’s included benefits like telehealth, mental health, and RX services.
Key Employee Benefits That Come With Harmoni125
Here’s what sets this plan apart for employees:
- $0 Copays on all included services
- Spouse and Dependent Coverage
- Group Term Life Insurance (valued up to $100/month)
- In-Person Urgent Care + Virtual Care
- 24/7 Telehealth + EAP Support
- Mental Health, Addiction, and Counseling Services
- Mayo Clinic Programs & Health Dashboards
- RX Coverage with No Copays
- Minimal Essential Coverage (MEC) to ensure compliance
And all of this is wrapped in a Section 125 health plan framework that puts more money in employees’ pockets.
How the Harmoni125 Plan Supports Family-Centered Workplaces?
One of the most overlooked aspects of traditional healthcare benefits is family support. With Harmoni125, that’s a priority.
Family benefits include:
- 12 care visits per year for spouses and dependents
- RX coverage with no copay
- Access to telemedicine and mental health services for the entire household
- Optional upgrades for additional life, disability, or critical illness insurance
When companies support the families of their workers, they foster a culture of loyalty, well-being, and productivity.
Is It Too Good to Be True? Not With Harmoni125
Many companies assume there’s a catch, but the Harmoni125 plan is already helping tens of thousands of employees and hundreds of employers reduce costs and increase employee satisfaction.
Employers save big, employees gain real services, and nobody pays more out of pocket.
This is the future of workplace benefits.
How to Get Started with Harmoni125?
It all starts with a 10-minute consultation. There’s no paperwork, no disruptions, and zero upfront costs.
Here’s what to expect:
- A walkthrough of your potential annual savings
- A review of employee eligibility
- A preview of the onboarding process
- Answers to compliance and implementation questions
More than 30,000 employees are already enrolled in Harmoni125. Don’t let your team miss out.
A Smarter Way to Leverage Section 125
The Harmoni125 plan doesn’t just rely on Section 125, it enhances it. By combining pre-tax savings, premium health benefits, and automated compliance, it delivers a complete benefits solution that serves employers and employees alike.
This plan offers more than just tax advantages, it offers peace of mind, better care, and a stronger company culture.
If you’re ready to explore how a Section 125 health plan pre-tax model can transform your business and your workforce, Harmoni125 is the solution.
Ready to upgrade your benefits and reduce costs?
Book a 10-minute consultation with Harmoni125 now
Or get your free proposal to see how much you could save.