In today’s high-pressure business environment, employers are seeking smarter, more affordable ways to offer competitive benefits without increasing costs. At the same time, employees are demanding better health coverage, mental health resources, and financial wellness, all without taking home less pay. Harmoni125, offered by Harmoni Care, solves both challenges with one powerful solution.
Designed for employers with 30,000–40,000+ enrolled employees, Harmoni125 leverages 125 health plan pre tax, along with a Preventative Care Management Plan (PCMP) and a Specialized Insurance Medical Reimbursement Plan (SIMRP). The result? A cost-free, fully managed, and highly compliant benefit program that enhances care, saves money, and delivers measurable impact, starting on day one.
What Is a Section 125 Plan — And Why It Matters
Section 125 of the IRS code allows employers to offer benefits that employees can pay for with pre-tax dollars. These are often called cafeteria plans, because employees can “choose” from a menu of benefit options.
But while many employers use basic versions of 125 health plan pre tax, Harmoni125 takes it further, combining pre-tax health benefits with two additional components for a smarter, more complete solution.
Here’s how it works:
- Section 125: Reduces employees’ taxable income, increasing take-home pay
- PCMP: Offers preventative care support and wellness tools
- SIMRP: Reimburses for services not typically covered under major medical plans (like mental health and disability
This layered approach gives both employees and employers deeper benefits with zero financial burden.
How Harmoni125 Works
Harmoni125 is not just a tax savings mechanism, it’s a fully automated, cost-free system that improves employee wellbeing while cutting employer expenses. Here’s what makes it different:
- No disruption to existing health insurance
- No change to take-home pay
- No cost to the employee or employer
- Full compliance with IRS rules and healthcare regulations
More than 30,000 employees are already enrolled in Harmoni125 and with good reason.
Employer Benefits of Harmoni125
For employers, Harmoni125 is an immediate bottom-line win. With no setup fees, no ongoing costs, and no risk, companies can save thousands while offering employees one of the most innovative benefit plans on the market.
Here’s what employers get:
- $1,100/year saved per W2 employee
- 5–10% drop in healthcare costs
- No out-of-pocket cost to start or manage
- Quick setup in 30–45 days, handled by experts
- Fewer claims, saving thousands over time
- Better staff retention and performance
- ROI begins in the very first month
Harmoni125 gives your HR team a powerful tool: a high-impact plan that saves money, improves wellness, and requires almost no effort to maintain.
Employee Benefits: Full Coverage, No Paycheck Impact
One of the most compelling reasons employees love Harmoni125 is that they get more, without giving up anything.
Here’s what employees receive:
- Paycheck stays the same (thanks to pre-tax deductions)
- 24/7 telemedicine and virtual care at $0 copay
- 12 yearly care visits for spouses and dependents
- Mental health and counseling support through EAP
- Mayo Clinic wellness tools and dashboard access
- Minimal Essential Coverage (MEC)
- Group Term Life Insurance ($60–$100/month)
- In-person urgent care at $0 copay
- Prescription coverage (RX) at no copay
- Discounts on vision, dental, and prescriptions
By combining practical, usable coverage with financial efficiency, Harmoni125 meets today’s demands for holistic employee care.
Why Pre-Tax Benefits Still Matter in 2025
Even in a benefits-saturated world, the 125 health plan pre-tax model still delivers unmatched value. Many companies overlook the full potential of these programs, sticking to outdated cafeteria plans or limited FSAs. Harmoni125 revives and elevates this concept with modern design, mental health integration, and expanded medical reimbursement.
Let’s look at the comparison:
| Traditional Health Plan | With Harmoni125 |
| Fixed insurance with rising costs | Layered benefits + flat cost (zero) |
| Limited preventative support | Access to Mayo Clinic resources |
| No pre-tax reimbursement beyond premiums | Full integration with PCMP & SIMRP |
| Employees pay more, take home less | Employees save without impact to net pay |
| Employer bears high claims costs | Employer saves ~$800/employee/year |
Compliance Made Simple
Worried about legal complexity? You don’t have to be. Harmoni125 is:
- 100% IRS-compliant
- Designed with Section 125, PCMP, and SIMRP integration
- Fully managed by our team of benefit experts
- Supported with employee education and compliance documentation
You’ll get all the benefits, with none of the paperwork.
Why Harmoni Care?
Harmoni Care built the Harmoni125 program to address the real pain points companies face today: rising health insurance costs, lower employee morale, and benefit fatigue. With a focus on simplicity, scalability, and real impact, Harmoni Care has helped thousands of organizations transform their benefits into an asset not an expense.
- Mission-driven to enhance access and affordability
- Trusted by employers with tens of thousands of enrolled workers
- Backed by industry-best compliance and support systems
How to Get Started
Ready to experience the full power of pre-tax? Here’s what to do:
Step 1: Book a 10-minute consultation
Talk with a Harmoni125 benefits expert about your current setup and goals.
Step 2: Get a free, customized proposal
We’ll map out how many employees qualify and what your total savings will be.
Step 3: Launch in 30–45 days
We handle all onboarding, communication, and compliance. You get the results.
Conclusion: Harmoni125 Turning Compliance Into Competitive Advantage
Section 125 cafeteria plan benefits have been around for years but Harmoni125 is the evolution of that idea. By combining pre-tax savings with powerful health support and zero cost, it’s changing how companies think about employee benefits.
More than 30,000 employees are already enrolled. Your team could be next.
Take the Next Step
Talk to our speacialist or get a free proposal today to see how Harmoni125 can lower costs, reduce claims and enhance employee care.