In today’s competitive job market, offering valuable health benefits while controlling costs is no easy task. Employers want to protect their margins while employees expect meaningful support. That’s precisely where Harmoni125 from Harmoni Care makes a quiet but powerful difference. By leveraging a Section 125 Health Plan Pre-Tax structure alongside a fully managed Preventative Care Management Plan (PCMP) and Self Insured Medical Reimbursement Plan (SIMRP), Harmoni Care offers a solution that strengthens both your business and your workforce, without disruption or added expense.
Let’s explore how pre-tax benefits like those offered through Harmoni Care’s Harmoni125 plan can directly benefit your bottom line.
What Is Harmoni125?
Harmoni125 is not just another Section 125 plan. It’s a thoughtfully integrated, fully compliant program that combines
- Section 125 Health Plan savings
- A Preventative Care Management Plan (PCMP)
- A Self Insured Medical Reimbursement Plan (SIMRP)
By uniting these three elements, Harmoni Care delivers pre-tax health benefits that are comprehensive, automated, and cost-free for employers. It’s a quiet, behind-the-scenes program that maximizes value without interfering with your existing health plans or processes.
More than 30,000 employees are already enrolled, experiencing the difference that balance without trade-offs can bring.
How Does Harmoni125 Work?
Harmoni125 operates by allowing employees to make pre-tax benefits contributions toward eligible healthcare expenses. At the same time, the integrated PCMP and SIMRP deliver additional savings and healthcare support without changing an employee’s take-home pay.
In simple terms:
- Employees contribute a portion of their wages toward healthcare on a pre-tax basis.
- Employers see reduced payroll taxes, leading to an immediate bottom-line improvement.
- Employees gain access to enhanced services, including 24/7 Telehealth and Mayo Clinic wellness tools, at no out-of-pocket cost.
The result? Real savings, tangible benefits, and no administrative headaches.
Immediate Employer Advantages
Harmoni125 is specifically designed to improve your financial performance while enhancing employee satisfaction. Here’s what employers gain:
- Save ~$680 per year per W-2 employee—that’s about $68,000 annually for 100 employees.
- No out-of-pocket cost to implement.
- Reduced healthcare claims, averaging $1,400 savings over three years.
- Fast implementation — the entire rollout happens within 4-5 weeks.
- Enhance employee retention and performance, strengthening your workforce.
By integrating the Section 125 Health Plan Pre-Tax advantage with advanced health management strategies, Harmoni Care creates a solution that’s unmatched in the market.
Unmatched Employee Benefits
For your employees, Harmoni125 brings significant upgrades with zero downside:
- No change to take-home pay.
- $0 copay for 24/7 telehealth services—access doctors, nurses, and health coaches anytime.
- Mental health, addiction support, and counseling services are included.
- Mayo Clinic wellness tools and health dashboards for proactive care.
- Access to universal life, disability, and critical illness insurance.
- Additional spouse and dependent coverage enhancements.
Employees enjoy a stronger support system without noticing any deductions from their regular paycheck—an incredible win-win.
Why Pre-Tax Health Contributions Matter
Every dollar contributed toward healthcare expenses on a pre-tax basis reduces the taxable income of your employees and lowers your company’s payroll tax burden. Here’s why pre tax health benefits matter so much:
- Lower taxable income = higher employee satisfaction.
- Reduced employer payroll taxes = improved profit margins.
- More affordable healthcare access = healthier, more productive teams.
This creates a harmonious balance between caring for your people and protecting your business — the core philosophy behind Harmoni Care and the Harmoni125 program.
What Makes Harmoni125 Different?
Unlike traditional pre-tax benefit setups, Harmoni125 stands apart by offering a fully managed system that leverages all three pillars: Section 125, PCMP, and SIMRP. It’s not just about allowing tax-free contributions—it’s about actively managing employee health needs, preventing future claims, and creating measurable savings across the board.
With Harmoni125, you get:
- Compliance confidence — our plan meets and exceeds current legal standards.
- Zero disruption — no change to your current healthcare providers or plans.
- Quiet impact — significant savings that happen seamlessly in the background.
- Genuine care — employees feel the difference through enhanced services.
Balance Without Trade-Offs
Harmoni Care believes that businesses shouldn’t have to choose between financial health and employee well-being. The Harmoni125 program was built around the idea of efficiency meeting care. It’s an elegant solution that requires no difficult trade-offs—only quiet, consistent improvements to your financials and your team’s quality of life.
While some programs require a significant upfront investment or necessitate radical changes to a company’s benefits packages, Harmoni Care aligns with your business reality. Our Section 125 Health Plan Pre Tax structure, integrated with PCMP and SIMRP, provides powerful, lasting advantages with none of the typical burdens.
Final Thoughts
In a world where every dollar counts and employee satisfaction is more important than ever, pre-tax health benefits are an opportunity you can’t afford to ignore. Harmoni125 from Harmoni Care makes it easy to realize the full potential of your benefits offering while protecting your bottom line.
Thousands of businesses and more than 30,000 employees have already made the move — isn’t it time you did too?
Experience balance without compromise. Discover the quiet, powerful impact of Harmoni125 today.
