Why Affordable Healthcare Starts with Smarter Planning?
For today’s employers, offering valuable healthcare benefits for employees isn’t just a perk—it’s a competitive advantage. But with rising costs and retention pressures, the question becomes: how can companies do more without spending more?
That’s exactly where Harmoni125 steps in.
Harmoni125 is a fully managed employee benefit program that leverages a pre-tax Section 125 structure and layers in two powerful components: a Preventative Care Management Plan (PCMP) and a Self Insured Medical Reimbursement Plan (SIMRP).
Together, these form one of the most compliant and benefit-rich health programs available today, giving employers and employees unmatched advantages at zero cost.
What Makes Harmoni125 Different?
Unlike traditional Section 125 plans that only offer basic tax savings, Harmoni125 enhances the pre-tax structure by including a fully compliant PCMP and SIMRP. This creates a powerful platform that supports health, reduces claims, and maximizes tax efficiency.
Here’s how the plan works:
- Section 125 allows employees to pay for benefits with pre-tax dollars.
- The PCMP promotes ongoing wellness and early intervention, and includes 24/7 telehealth and coaching.
- The SIMRP reimburses certain IRS-allowed medical expenses, increasing employee value without added cost.
The result?
Employers unlock $600–$800 in annual savings per W2, and employees gain access to real healthcare—not just a plan—without reducing their take-home pay.
Employer Benefits with Harmoni125
When you offer Harmoni125, you’re not just providing a benefit—you’re making a strategic business decision.
Here’s what you get:
- Save $680/year per employee (That’s $68K in savings for every 100 employees)
- No out-of-pocket cost to implement or maintain the plan
- Reduced claims on your existing health plan (avg. $1,400 savings over 3 years)
- 30–45 day implementation with full administrative support
- Boost retention and productivity through better employee care
- Immediate financial impact from day one
It’s a rare combination: increased value and zero cost. Harmoni125 makes it possible.
Employee Benefits with Harmoni125
For employees, the biggest question is: “Will this affect my paycheck?”
With Harmoni125, the answer is a confident no—and the benefits are extensive.
Employees enjoy:
- No change in take-home pay despite rich new benefits
- $0 copay for 24/7 telehealth, nurses, and health coaching
- Mental health, addiction, and counseling support
- Access to Mayo Clinic wellness tools and dashboards
- Coverage for Universal Life, Disability, Critical Illness
- Spouse and dependent enhancements available
- Plus, no paperwork or admin hassle—it’s all automated
Harmoni125 makes healthcare not only affordable, but easy.
Built for Compliance. Powered by Simplicity.
One of the biggest concerns employers face is whether alternative benefit plans meet IRS and healthcare compliance requirements.
With Harmoni125, you’re protected. The plan is:
- IRS-compliant, fully automated, and structured around legitimate pre-tax benefit rules
- Built and administered in a way that avoids common audit risks
- Designed to integrate with your existing plan and HR systems without disruption
Employers don’t need to hire new staff or overhaul systems. Harmoni125 is simple to roll out, manage, and scale.
More than 30,000 employees are already enrolled, and the numbers are growing every day.
The Power of Pre-Tax: A Game-Changer for Employees
Here’s where pre-tax Section 125 plans truly shine: by helping employees keep more of their paycheck while gaining access to meaningful care.
Employees can now afford the support they need—without premium increases, higher deductibles, or surprise bills.
And for those with families, Harmoni125 offers extended options for dependents and spouses. It’s a family-first healthcare solution that promotes loyalty, well-being, and retention across your workforce.
Why Employers Nationwide Are Choosing Harmoni125
In a benefits landscape filled with rising costs, compliance risks, and employee burnout, Harmoni125 offers a rare win-win.
You get:
- Immediate bottom-line relief
- A way to stand out as an employer of choice
- A tool to boost culture, morale, and long-term performance
And your employees? They get true healthcare benefits—not just coverage.
Whether you’re managing a growing team or looking to improve satisfaction and retention, Harmoni125 is built to meet the needs of modern workplaces.
Real Impact, Zero Cost
It’s rare that a solution offers real value without added expense. But Harmoni125 delivers:
- Free health plan benefits
- Fully managed implementation
- Employee-first design
- And compliance that protects everyone
You don’t need to change your current health plan. You don’t need to spend money. You just need a better strategy—and Harmoni125 is it.
Conclusion: A Smarter Way to Support Your Team
With healthcare becoming more complex, it’s time for employers to think differently.
Harmoni125 isn’t just a cafeteria plan. It’s a modern benefit platform that combines pre-tax Section 125 savings with a powerful wellness and reimbursement framework—without taking money out of your pocket or your employees’ paychecks.
It’s smart, compliant, automated, and built for real people.
Ready to Offer Better Benefits Without Extra Cost?
Let’s talk. Get a free consultation to learn how Harmoni125 can help your business and your team.
Book your 10-minute consultation
Get a free proposal today
Talk with an expert