When it comes to healthcare, most business owners face a difficult trade-off: offer better benefits or cut costs. But with the right cafeteria health plan you don’t have to choose.
Harmoni125 by Harmoni Care goes beyond traditional health coverage, leveraging pre-tax health benefits through Section 125 while adding even more savings and support through our fully managed benefit platform.
Let’s explore how your business can reduce healthcare spending and improve employee wellness with zero out-of-pocket cost.
What Is a Cafeteria Health Plan?
A cafeteria health plan, also known as a Section 125 plan, allows employees to choose from a menu of benefits and pay for them using pre-tax income. This structure lowers taxable wages, which:
- Increases take-home pay for employees
- Reduces payroll tax liability for employers
But Harmoni125 isn’t your average cafeteria plan, it’s a fully integrated solution built on three components:
- Section 125 Pre-Tax Structure
- Preventative Care Management Plan (PCMP)
- Specialized Insurance Medical Reimbursement Plan (SIMRP)
Together, these create one of the most compliant, cost-effective, and benefit-rich platforms in the market.
Cafeteria Health Plans: A Smarter Way to Save on Healthcare
For years, employers have struggled with the rising cost of providing quality healthcare. Traditional health plans often mean choosing between higher premiums or limited coverage. A cafeteria health plan, however, changes that equation completely. By leveraging Section 125 pre-tax structures, businesses can lower payroll tax liability while employees enjoy increased take-home pay. It’s a win-win model that strengthens financial health on both sides.
Harmoni125 takes this proven concept and builds on it with additional layers of value. Unlike standard cafeteria plans that only shift deductions, Harmoni125 integrates preventive care, specialized reimbursements, and compliance management into one streamlined platform. Employers save an average of $1,100 per W-2 annually, while healthcare claims drop significantly over time. With a simple 30–45 day rollout and no disruption to existing providers, the transition is smooth and cost-effective.
Employees also see the difference immediately. Instead of worrying about copays, they gain access to $0-cost services across urgent care, telemedicine, counseling, and prescription coverage. Dependents and spouses are included at no extra cost, making it a family-first solution that promotes long-term wellness. This goes far beyond paycheck adjustments, it’s about comprehensive care that employees actually use and appreciate.
For HR leaders and business owners, compliance is another major concern. Harmoni Care eliminates that stress by providing all IRS-ready documentation, integration support, and ongoing program education. The result is a fully managed, fully compliant plan that enhances benefits while reducing costs.
In a market where over 30,000 employees are already enrolled, Harmoni125 is quickly becoming the gold standard for cafeteria health plans. Employers get predictable savings, employees get meaningful coverage, and everyone benefits from smarter, tax-advantaged healthcare.
The Business Case: Real Employer Savings
With Harmoni125, you’ll see immediate savings without changing your current payroll setup:
- Save $1,100 per W-2 employee per year
- Cut healthcare costs by 5–10%
- Lower long-term claims by $1,400 over 3 years
- Complete rollout in just 30–45 days
- No upfront cost or disruption to existing providers
In short, you offer more, and pay less. That’s the power of pre-tax benefit optimization.
Why Employees Love Harmoni125
While most cafeteria plans only affect paycheck deductions, Harmoni125 delivers true value. It’s designed to maximize pre-tax health benefits while providing full-spectrum care, with $0 copays and no extra payroll deductions.
Covered benefits include:
- 24/7 Telemedicine & Virtual Care
- 12 Annual Family Care Visits
- RX Coverage with No Copays
- In-Person Urgent Care Access
- Mental Health, EAP, Addiction & Counseling Support
- Mayo Clinic Wellness Tools & Health Dashboard
- Minimal Essential Coverage (MEC)
- Group Term Life Insurance ($60–$100/month value)
- Vision, Dental & Prescription Discounts
Best of all, these apply to spouses and dependents, at zero copay.
Fully Managed, Fully Compliant
Harmoni Care takes care of everything:
- IRS-ready compliance and plan documentation
- Payroll and HR integration
- Employee enrollment and onboarding
- Ongoing support and program education
We simplify everything so you can focus on running your business, not your benefits program.
Why Harmoni125 Is Different
More than 30,000 employees are already enrolled in Harmoni125. As a benefit-rich alternative to traditional pre tax health benefits, it transforms the standard cafeteria health plan into a comprehensive platform that works for everyone.
With no setup fees, no added complexity, and no downside, Harmoni125 is how smart employers save big and give more.
Start Saving with Smarter Benefits
Ready to unlock powerful pre-tax health benefits while reducing healthcare costs for your business and your team? Get a Free Proposal and see what a true cafeteria health plan can do for you.