Introduction: Understanding the Power of Pre-Tax Benefits
When it comes to helping employees keep more of what they earn while still accessing valuable healthcare services, few tools are more effective than a Section 125 flexible benefits plan. These pre-tax options empower companies to offer impactful benefits while lowering costs across the board.
At Harmoni Care, our signature solution—Harmoni125—goes far beyond a standard pre-tax offering. It leverages Section 125 together with a fully managed Preventative Care Management Plan (PCMP) and Self Insured Medical Reimbursement Plan (SIMRP) to deliver one of the most compliant, automated, and benefit-rich programs available today.
This guide walks you through the real-world tax advantages of Harmoni125, how to navigate its structure, and why it’s quickly becoming a favorite for businesses prioritizing smart, affordable healthcare benefits for employees.
What Makes Harmoni125 Different?
The Harmoni125 plan includes, but is not limited to, Section 125. It’s a modern benefits solution designed for today’s workforce and today’s employer challenges.
The 3-part structure:
- Section 125 allows for pre-tax deductions, reducing taxable income for both the employer and employee.
- PCMP promotes preventative care, ensuring long-term health and lower claims.
- SIMRP enables reimbursement for eligible medical expenses, improving benefit value without affecting take-home pay.
Together, these components create one of the most compliant and impactful healthcare benefit structures available, tailored to mid-sized businesses looking to elevate their offerings.
How Employers Benefit from the Harmoni125 Plan?
Harmoni125 was built to provide direct financial value for businesses while enhancing employee satisfaction. Here’s how:
Employer Savings:
- Save $600–800 per employee per year (~$68,000 per 100 W2 employees).
- No out-of-pocket costs to implement or maintain the plan.
- Reduce healthcare claims by $1,400 on average over 3 years.
- 30–45 day onboarding and implementation, with automated compliance.
Cultural and Operational Advantages:
- Boost employee retention and satisfaction by offering real, impactful benefits.
- Position your brand as a care-first employer that doesn’t just talk about wellness but delivers it.
- Achieve immediate bottom-line impact with measurable ROI.
Employee Benefits That Actually Make a Difference
Harmoni125 is structured to ensure that employees never see a drop in take-home pay—while gaining access to valuable, no-cost benefits.
Key Features for Employees:
- No change in net paycheck
- $0 copay 24/7 Telehealth—access to doctors, nurses, and health coaches
- Mental health & addiction counseling, plus emotional well-being support
- Mayo Clinic wellness tools and digital health dashboard
- Critical Illness, Disability, and Universal Life Plan
- Spouse and dependent enhancements included
More than 30,000 employees are currently enrolled in Harmoni125 and benefiting from a benefits package that feels like an upgrade—without extra cost.
Why Pre-Tax Structures Are So Powerful?
One of the biggest value drivers of the Harmoni125 plan is how it leverages pre-tax benefits under Section 125. Here’s why that matters:
- Employees reduce taxable income, often leading to higher net pay without a raise.
- Employers save on payroll taxes, including FICA and FUTA.
- Benefits become more affordable, increasing employee engagement with the offerings.
When integrated with PCMP and SIMRP, these pre-tax mechanisms work behind the scenes to optimize tax efficiency and maximize benefit access.
Real-World Example: What a 125 Flexible Benefits Plan Looks Like in Action
Let’s say your company has 120 W2 employees. Implementing Harmoni125 could yield:
- Up to $96,000 in annual employer tax savings
- Zero implementation costs
- A fully managed rollout in less than 50 days
Meanwhile, employees gain:
- Telehealth access at no cost
- Emotional and mental wellness support
- Improved protection for spouses and dependents
- Enhanced life, disability, and critical illness coverage
That’s the power of a 125 flexible benefits plan that’s engineered for compliance, simplicity, and true impact.
A Simple, Compliant, and Cost-Free Solution
One of the standout features of Harmoni125 is that it requires no change to your current health plan. It layers on top of existing coverage to fill critical gaps and provide pre-tax savings without extra work.
Why It’s Easy to Say “Yes” to Harmoni125:
- Fully managed implementation—from onboarding to communication
- Compliant under IRS guidelines with expert legal and tax oversight
- No disruption to your current benefits strategy
- Scalable for teams with 30–500+ employees
And because Harmoni125 is a Group 1 plan, it’s tailored specifically for businesses like yours—those who want to do more for their people without adding financial burden.
Tax Efficiency that Scales with Growth
The benefits of Harmoni125 don’t cap at a certain size. As your business grows, your pre-tax Section 125 savings grow with it.
Let’s break it down:
- Adding 50 new employees could mean an extra $34,000+ in tax savings annually.
- The scalable structure ensures no drop in compliance or automation.
- Implementation and employee education scale seamlessly.
For employers ready to align cost control with employee satisfaction, Harmoni125 is the clear path forward.
Conclusion: A Smarter Way to Offer Healthcare
Navigating the tax landscape of employee benefits doesn’t have to be complex. With the Harmoni125 plan, you’re not just checking boxes—you’re delivering real, measurable impact.
This isn’t just a pre tax benefits Section 125 strategy—it’s a full-spectrum solution that’s already transforming how companies think about wellness, performance, and long-term retention.
Get started with Harmoni125 today.
Call to Action
Ready to see how Harmoni125 can elevate your team and transform your bottom line?
- Book your 10-minute consultation
- Get a free proposal today
- Talk with an expert now