Health insurance costs continue to climb, leaving many employers searching for smarter ways to offer meaningful benefits without draining the budget. If you’re looking for a way to reduce costs while increasing value for your employees, it’s time to look at Section 125 health insurance in a new light.
At Harmoni Care, we offer a modern solution called Harmoni125, a fully managed program that goes far beyond traditional Section 125 cafeteria plans. It integrates a Preventative Care Management Plan (PCMP) and a Specialized Insurance Medical Reimbursement Plan (SIMRP) to deliver one of the most compliant and benefit-rich offerings available today.
Let’s break down how this next-generation health benefit plan coverage works, and why it matters to your business.
What Is Section 125 Health Insurance?
A Section 125 plan, sometimes called a cafeteria plan, allows employees to pay for health-related expenses using pre-tax dollars. This reduces taxable income for employees and lowers payroll tax liabilities for employers.
But Harmoni125 isn’t just a Section 125 health insurance plan. It combines pre-tax savings with $0 copay medical benefits, mental health support, and full family coverage. The result? A powerful health benefit plan that serves your people and your bottom line, without adding cost or complexity.
Step 1: Work with a Fully Managed Partner
Traditional Section 125 plans often come with admin headaches, multiple vendors, compliance risks, and employee confusion. Harmoni Care removes those roadblocks by handling the entire process for you.
Harmoni125 includes:
- Plan design and compliance setup
- IRS-ready documentation
- Employee education and enrollment
- Ongoing maintenance and support
- Seamless payroll integration
This isn’t just a cafeteria plan. It’s a full health benefits ecosystem tailored for modern W-2 teams.
Step 2: Maximize Employer Savings
Once you implement Harmoni125, the financial benefits are immediate and long-term.
Employers enjoy:
- $1,100/year savings per W-2 employee
- 5–10% reduction in total healthcare costs
- $1,400 in reduced claims over 3 years
- 30–45 day implementation
- No out-of-pocket cost
- Boosted retention and employee performance
It’s a strategy that delivers real impact without disrupting your existing insurance setup.
Step 3: Deliver Premium Health Benefit Plan Coverage
Harmoni125 gives your employees more, without taking more from their paychecks.
Here’s what employees and their families receive:
- $0 Copays on all covered care
- 24/7 Telemedicine & Virtual Care
- Family Coverage with 12 Annual In-Person Visits
- RX Coverage with No Copays
- Urgent Care Access Nationwide
- Mental Health, Counseling, and EAP Support
- Mayo Clinic Wellness Tools & Dashboard
- Minimal Essential Coverage (MEC)
- Group Term Life Insurance ($60–$100/month value)
- Discounts on Vision, Dental & Prescriptions
All these benefits apply not just to employees, but to their spouses and dependents, too. And yes, still at $0 copay.
Step 4: Roll Out with Zero Friction
From onboarding logistics to benefit guides, Harmoni Care handles it all. Your team gets a dedicated support channel and clear employee communication tools to ensure high adoption.
We provide:
- IRS-compliant documentation
- One-on-one support
- Full year-round administration
- No disruption to payroll or benefit providers
Compliance and Confidence Built In
One of the biggest concerns employers face when adopting a Section 125 health insurance plan is compliance. IRS rules, ACA requirements, and ongoing documentation can quickly overwhelm internal HR teams. That’s why Harmoni125 was designed as a fully managed program, so you never have to worry about regulatory gaps or costly penalties.
Our team ensures every step of the plan is compliant with IRS Section 125 guidelines, including cafeteria plan documentation, nondiscrimination testing, and ongoing reporting. We also integrate MEC coverage, mental health support, and group term life to keep your workforce healthier and more secure.
Employees often feel confused by cafeteria plans, which leads to low adoption. With Harmoni Care, every employee receives clear education, digital benefit guides, and year-round access to live support. This means higher participation rates and better outcomes for your business.
The result is a health benefits program that not only saves money but also boosts employee satisfaction, retention, and productivity. Employers reduce costs, employees gain $0 copay benefits for themselves and their families, and compliance is handled seamlessly in the background.
With Harmoni125, you’re not just offering benefits, you’re building a future-ready health and financial wellness strategy.
Why Harmoni Care?
With over 30,000 employees already enrolled, Harmoni125 is redefining what a Section 125 health insurance plan can be. We combine tax-advantaged benefits with real health outcomes, making it easier for businesses to offer premium care without premium costs.
It’s more than a health plan. It’s a smarter, stronger benefits strategy built for today’s workforce.
A Better Health Benefit Plan Starts with Harmoni125
Let’s make your employee benefits simpler, stronger, and fully compliant.Get a Free Proposal and see how Harmoni125 can work for your business.