In today’s economic climate, employers and employees alike are searching for relief from rising healthcare costs. Traditional benefits are no longer enough. What’s needed is a smarter, more efficient way to deliver real value, without increasing spend. Enter the power of the Section 125 health plan pre tax model.
At Harmoni Care, we specialize in building health plans that do more than just meet compliance standards, they unlock hidden value through tax savings, enhanced wellness tools, and real-world medical reimbursement options. Our unique approach to health benefit plan coverage blends Section 125 with advanced care strategies to drive bottom-line results for employers and meaningful support for employees.
Here’s how it works and why more than 30,000 employees are already enrolled in programs just like this.
What Is a Section 125 Health Plan?
A Section 125 plan, often called a cafeteria plan, allows employees to pay for eligible health benefits using pre-tax dollars. That means they lower their taxable income, which boosts their net paycheck, all without changing their actual salary.
But with Harmoni125, we take it further. Our plan structure doesn’t just include Section 125, it integrates it with:
- A Preventative Care Management Plan (PCMP): Think wellness tools, risk detection, and Mayo Clinic-powered dashboards
- A Specialized Insurance Medical Reimbursement Plan (SIMRP): Covering services like counseling, disability insurance, and critical illness protection
Together, this trio delivers a new kind of health benefit plan coverage,one that’s tax-advantaged, cost-free, and deeply impactful.
Why Employers Choose The Harmoni125 Model
For employers managing large teams, every dollar counts. That’s why our Section 125 strategy is designed to produce measurable savings from the first month.
Key Employer Benefits:
- Save $600–$800 per W2 employee annually (That’s about $68,000 per 100 employees and it scales)
- No out-of-pocket cost to implement or maintain
- Lower claims costs (On average, employers save $1,400 per enrolled employee over three years)
- Faster rollout (Get up and running in 30–45 days with a fully managed, automated onboarding process)
- Boost retention and morale (Employees value meaningful benefits that protect their health and their paychecks)
With no disruption to your current insurance plan, no compliance burden, and no cost, this is a true no-risk, high-reward strategy.
Why Employees Love It
Employees are tired of rising premiums, confusing coverage, and feeling like they’re paying more for less. Our integrated approach changes the conversation by offering more value at no extra cost.
Key Employee Benefits:
- No change in take-home pay (Pre-tax deductions reduce taxable income without reducing what they bring home)
- $0 copay 24/7 Telehealth (Speak to doctors, nurses, or wellness coaches anytime, anywhere)
- Mental health, addiction, and counseling support (Confidential, accessible care when it matters most)
- Access to Mayo Clinic wellness tools and a personalized health dashboard
- Universal Life, Disability, and Critical Illness coverage (Built-in protection for employees and their families)
- Spouse and dependent coverage included
Employees don’t just feel supported, they actually experience better care, faster access, and stronger protection, all through their workplace.
How Section 125 Health Plan Pre-Tax Savings Work
Let’s break down what pre-tax really means. When an employee contributes to benefits via a Section 125 health plan, those dollars are deducted before taxes are calculated. That reduces their federal income tax, Social Security, and Medicare contributions, meaning they keep more of what they earn.
At the same time, employers benefit from reduced payroll tax liability, since the total taxable payroll is lowered.
It’s a true win-win:
- Employees get more value and higher net pay
- Employers cut costs and boost their benefit offerings
Why This Works Better Than Traditional Cafeteria Plans
Many companies already offer some version of a cafeteria plan, but these are often underutilized, loosely managed, and miss the opportunity for full integration. Our solution takes the concept of a Section 125 plan and layers in the missing pieces:
- Automation: Seamless implementation and zero paperwork burden on your HR team
- Communication: We handle employee education and onboarding, so everyone understands the value
- Compliance: We ensure all IRS requirements are met, no guesswork, no risk
- Care management: More than just insurance, we deliver real-time tools to prevent illness and manage risks
Built for Compliance. Designed for Scale.
We understand that any benefits decision must pass legal, operational, and budgetary filters. That’s why our model is fully vetted for compliance and built for large-scale implementation, particularly suited for employers with 30,000+ W2 employees.
We take care of:
- Section 125 documentation and plan maintenance
- PCMP and SIMRP setup
- Employee communications and consent
- IRS testing and compliance monitoring
All you need to do is say yes. We’ll do the rest.
Conclusion: Smarter Benefits, Real Results by Harmoni125
At Harmoni Care, we believe employee benefits should do more than meet minimums, they should drive results.
Our approach to health benefit plan coverage isn’t just innovative. It’s proven.
- We’ve helped employers save millions in payroll tax
- We’ve helped employees get access to care they didn’t have before
- We’ve built a benefit that works alongside your existing coverage, not against it
And with more than 30,000 employees already enrolled, we’ve refined our systems to ensure minimal effort, maximum gain, and long-term success.
Take the Next Step Get started a free consultation or get a free proposal today to see how Harmoni125 can cut costs, boost retention, and elevate employee care, with zero disruption to your current