Health insurance costs keep going up every year. This affects both employers and employees. Companies are trying to find better ways to save money without cutting important health benefits or putting extra stress on their teams. Many are now looking at new options that are more flexible, smart, and cost-friendly. One of these options includes using Section 125 pre tax deductions. This can help reduce the amount of taxes employees and employers pay, making health plans more affordable for everyone.
But not all plans are the same. Some go beyond just tax savings and offer extra support to improve care and reduce costs. In this blog, we will explain how Section 125 health insurance cafeteria plans work, what they include, and how they can bring value to both sides. You will also learn about one such program that takes this idea further by adding more care options and stronger savings for businesses and employees alike.
What is a Section 125 Health Insurance Cafeteria Plan?
A Section 125 cafeteria plan allows employees to pay for certain benefits using pre-tax dollars. This lowers their taxable income, resulting in employee tax savings while also reducing the employer’s payroll tax liability.
However, Harmoni125 goes far beyond a standard cafeteria plan. It includes Section 125 as a key part of a broader strategy that improves care access, reduces healthcare claims, and adds substantial financial value to both employers and employees.
What Makes Harmoni125 Different?
Harmoni125 is a fully managed and customized program that includes:
- Section 125 Pre Tax Deductions
- Preventative Care Management Plan (PCMP)
- Self-Insured Medical Reimbursement Plan (SIMRP)
This three-part approach allows employers to implement a comprehensive and compliant benefit structure that delivers cost savings, better care, and employee support without requiring out-of-pocket expenses.
Key Employer Benefits of Harmoni125
Harmoni125 helps employers save money and support their team at the same time. It is simple to set up and brings real results right away. Here is what employers can expect:
- Save $1,100 per W2 employee every year
- See a 5–10% reduction in healthcare costs
- No out-of-pocket cost to start or run the program
- Average healthcare claims go down over time
- Setup is fast, done in just 30 to 45 days
- Improves employee performance and retention
Key Employee Benefits of Harmoni125
Harmoni125 gives employees better health benefits without any extra cost or change in their take-home pay. It is designed to make life easier by offering real support in everyday health needs. Here is what employees can look forward to:
- Employees do not see any change in their paycheck because the plan uses pre-tax deductions, which means more value without extra cost.
- They get 24/7 access to telemedicine and virtual care with absolutely no copays, making it easy to speak with a doctor, nurse, or health coach anytime.
- The plan covers 12 annual in-person care visits for the employee’s spouse and dependents, giving families the support they need.
- Employees can access mental health services and counseling support through a trusted Employee Assistance Program (EAP).
- The plan includes wellness tools and health programs from the Mayo Clinic, along with a personal health dashboard to track progress.
- It provides Minimal Essential Coverage (MEC) to help meet basic health coverage requirements affordably.
- One of the most important features is the Group Term Life Insurance, worth $60 to $100 per month, which offers essential protection for employees and their families.
- Employees can also visit urgent care centers in person when needed, and there is no copay at all.
- All prescription medications (RX) are fully covered with zero copays, making it simple and affordable to get the medicines they need.
- The plan also offers valuable discounts on vision care, dental services, and prescriptions, helping employees save more on everyday healthcare costs.
Why Employers Trust Harmoni125?
Many benefit programs promise savings but fall short on compliance or complexity. Harmoni125 is different. It is:
- Fully managed: HarmoniCare takes care of onboarding, compliance, and ongoing support
- Highly compliant: Built on a secure and legally sound foundation
- Custom-designed: Tailored for your company’s size, structure, and goals
Employers can feel confident knowing they are offering one of the most advanced and trustworthy health benefit programs available today.
Conclusion: Save on Your Health Insurance With Section 125 Plan
Harmoni125 makes it easier for companies to save money on health insurance while giving employees better care. It uses Section 125 pre tax deductions and also adds extra help through special health plans. This means employees can get more support without losing any pay. Employers save money and the team stays healthy and happy. The program is easy to start and everything is taken care of. With Harmoni125, both the company and its people get real benefits that work in everyday life. It is a simple and smart way to handle health costs and care for your team.
Make The Right Move With The Right Partner
Ready to save on health insurance and offer better benefits to your team? Connect with Harmoni Care today. Discover how Harmoni125 can make a real difference for your business and your employees.