Running a business today means balancing rising healthcare costs with employee well-being. Many employers are looking for ways to offer meaningful benefits without adding to their expenses. One of the smartest options available is a pre-tax Section 125 plan, especially when it’s part of a more advanced solution like Harmoni125.
In this blog, we’ll explain what a Section 125 health plan really is, how a pre-tax Section 125 plan works, and why Harmoni125 from Harmoni Care offers more value than traditional plans.
What Is a Section 125 Health Plan?
A Section 125 health plan is a tax-saving tool for both employers and employees. It allows employees to use pre-tax dollars to pay for certain qualified expenses such as:
- Health insurance premiums
- Medical bills
- Childcare services
Because the money is deducted from paychecks before taxes are applied, employees pay less in income taxes and Social Security. Employers also benefit by paying less in payroll taxes.
But it’s important to understand this key point: Harmoni125 is not just a Section 125 plan. It leverages Section 125 alongside two additional programs to deliver greater savings, better healthcare outcomes, and a stronger bottom line.
What Makes Harmoni125 Different?
Harmoni125 includes the traditional tax-saving power of a pre-tax Section 125 plan, but it adds more layers of value to the plan and it has various other features integrated. It has the following things to offer:
- Preventative Care Management Plan (PCMP)
- Self Insured Medical Reimbursement Plan (SIMRP)
This combination creates one of the most compliant and benefit-rich programs available in the market today.
While a basic Section 125 health plan only focuses on tax savings, Harmoni125 addresses the entire employee health journey, from prevention to financial protection.
Why Employers Choose Harmoni125?
If you are a business owner looking to lower costs while giving your employees better support, Harmoni125 makes it easy. It’s a smart way to offer strong benefits without spending extra from your pocket. In fact, it helps you save money while building a healthier, happier team.
Here’s what you get as an employer with Harmoni125:
- You can save $1,100 every year for each W2 employee
- For example, if you have 100 employees, that means nearly $110,000 saved in a year
- Experience a 5-10% reduction in overall healthcare costs
- There is no out-of-pocket cost for you to set up the plan
- Over three years, you could see healthcare claims go down significantly
- The whole plan can be set up quickly, usually within 30 to 45 days
- Your employees will feel more supported, which helps improve their job performance and encourages them to stay longer
What Employees Get with Harmoni125?
Employees are the heart of your business, and Harmoni125 makes sure they feel valued and supported. It offers real health and financial benefits that matter in everyday life, all without reducing their take-home pay. This means your team gets more, without having to give anything up.
Here’s how your employees benefit with Harmoni125:
- 24/7 access to Telemedicine & Virtual Care, all with $0 copays
- Family Coverage, including spouse and dependents, with 12 annual in-person care visits
- Employee Assistance Program (EAP)
- Mental Health and Counseling support
- Wellness tools from Mayo Clinic and a personal health dashboard
- Minimal Essential Coverage (MEC)
- Group Term Life Insurance valued at $60–$100/month, a highly important benefit
- RX drug coverage with $0 copays
- In-person Urgent Care services, also with $0 copays
- Discounts on Vision, Dental & Prescriptions
- Overall, employees enjoy better care, fewer unexpected medical costs, and stronger financial security.
Why Harmoni125 Is the Smarter Choice?
Most regular benefit plans only help with basic tax savings or meeting rules. They often don’t offer much real support for employees or big savings for employers. Harmoni125 is different. It combines the power of a pre-tax Section 125 health plan with extra care and coverage that really matters.
It gives employees access to things like free telehealth, mental health support, wellness tools from Mayo Clinic, and extra protection for their family. At the same time, it helps employers save money, lower claims, and improve team performance.
Harmoni125 fits right into your current payroll setup and follows all the rules. It’s easy to roll out and creates real value fast. Whether you have a small business or a large company, Harmoni125 gives you a smarter, more complete benefit plan. It supports your team’s health and helps your business grow, all with no extra cost to you.
Final Thoughts: Is Harmoni125 Right for Your Business?
If your goal is to reduce business costs, improve employee well-being, and provide meaningful benefits without any upfront expense, Harmoni125 is the solution you need. It takes the core advantage of a pre-tax Section 125 plan and enhances it with comprehensive preventative care and medical reimbursement support. This unique combination offers you real savings for employers and powerful health tools for employees.
With easy implementation and long-term impact, Harmoni125 offers one of the most compliant and benefit-rich programs available today. It is a smart investment that strengthens your workforce and supports your business growth from day one.
Make The Right Choice Now!
Talk to our Specialist with Harmoni Care to discover how Harmoni125 can benefit your business. Get a free proposal today and talk with an expert to see how much you could save while supporting your employees with smarter, compliant benefits.