Today’s HR leaders face a double challenge: deliver better employee benefits while cutting or at least controlling costs. With health premiums rising and employee expectations increasing, the pressure is on. Fortunately, Harmoni125 provides a smarter, proven path forward.
Harmoni125 is a fully managed, no-cost health plan solution that leverages Section 125, paired with a Preventative Care Management Plan (PCMP) and a Specialized Insurance Medical Reimbursement Plan (SIMRP). Unlike traditional cafeteria plans, this innovative model delivers significant tax savings, real healthcare support, and unmatched compliance for employers and employees alike.
What Is a Section 125 Health Plan?
A health plan section 125,commonly known as a cafeteria plan, allows employees to pay for certain qualified benefits with pre-tax dollars. This reduces their taxable income, increases take-home pay, and cuts employer payroll taxes.
But Harmoni125 isn’t just a standard cafeteria plan. It’s a modern enhancement that:
- Reduces taxable income
- Improves employee health engagement
- Reimburses out-of-pocket medical costs
- Wraps around existing health insurance
This structure delivers more than tax savings. It provides long-term cost control, deeper employee support, and a fully compliant benefit experience, without adding cost or complexity for the employer.
Why Harmoni125 Is a Smart Choice for Employers
For employers managing 30,000–40,000+ employees, a small shift in benefits can create a massive impact on the bottom line. Harmoni125 was built to deliver that kind of leverage.
Key Employer Benefits:
- Employers save around $1,100 every year for each full-time W2 employee.
- Healthcare costs drop by about 5 to 10 percent for the company.
- You don’t need to spend anything to start using this program.
- The setup is fast and easy, done by experts in just 30–45 days.
- Over time, fewer claims mean your business saves thousands more in healthcare costs.
- It helps you keep your best employees and makes them work even better.
- You can keep your current health plan, there’s no need to change anything.
Employers who implement Harmoni125 don’t just save , they gain a competitive edge in talent attraction and retention.
What Employees Get — At No Extra Cost
One of the reasons more than 30,000 employees are already enrolled in Harmoni125 is because it offers enhanced coverage, financial wellness, and wellness support, all without changing their take-home pay.
Key Employee Benefits:
- Employees keep full pay because the plan uses pre-tax money for benefits.
- They can talk to doctors anytime with 24/7 virtual care, no copay needed.
- Spouse and kids get 12 free care visits every year under the same plan.
- Mental health and counseling support is available through the Employee Assistance Program (EAP).
- They get helpful wellness tools and health programs from Mayo Clinic, all included.
- The plan includes Minimal Essential Coverage (MEC) to meet key healthcare needs.
- Group Term Life Insurance worth $60–$100 monthly is included, this is very important.
- In-person urgent care visits are covered fully, employees pay nothing out of pocket.
- Prescription medicines are included, there are no copays for any covered medications.
- Employees get extra discounts on eye care, dental visits, and prescription drugs.
For employees, Harmoni125 feels like an upgrade, but without the usual financial or administrative headache that comes with “new benefits.”
The Value of Pre-Tax Benefits in 2025
As inflation squeezes household budgets and benefit fatigue sets in, pre-tax health savings offer a simple but powerful solution. Harmoni125 uses the Section 125 framework to unlock these savings while layering in meaningful care and protection.
Let’s compare:
Without Harmoni125 | With Harmoni125 |
Higher taxable income | Reduced taxable income |
Rising payroll tax costs | ~$800/year savings per employee |
Minimal support beyond insurance | Full Telehealth, counseling, and wellness |
Static, underused benefits | High-utility, real-world value |
Employee frustration | Employee retention and loyalty |
Fully Compliant. Fully Managed. Fully Worth It.
Harmoni125 was built for compliance and simplicity. While Section 125 plans are governed by strict IRS rules, Harmoni Care team ensures your organization is protected and fully aligned from day one.
Included in the Program:
- Legally required Section 125 documentation
- Built-in Preventative Care Management Plan (PCMP)
- Specialized Insurance Medical Reimbursement Plan (SIMRP)
- Full compliance support, audits, and employee education
- No extra work for HR or benefits teams
You stay compliant, employees stay informed, and the system runs smoothly with little to no ongoing administrative lift.
Why Harmoni Care?
Harmoni Care built Harmoni125 to meet the modern demands of large employers and workforce wellness. We understand the financial constraints employers face, and we believe high-quality healthcare and compliance should never come at a cost you can’t afford.
Our mission is to simplify benefits, improve well-being, and make it cost-neutral (or better) to offer the care your employees deserve.
How to Get Started
Implementation is fast, free, and easy.
Here’s how:
- Book your 10-minute consultation: Talk with a Harmoni125 strategist about how your workforce could benefit.
- Get a free proposal today: We’ll calculate projected savings, enrollment opportunities, and timing.
- Launch in 30–45 days: Our team handles onboarding, education, compliance, and communication.
There’s no disruption to your current plan. No cost. No risk. Just results.
Final Thoughts: Harmoni125, a Strategic Advantage
Harmoni125 is more than just a Section 125 cafeteria plan. It’s a smarter, more holistic benefit solution that empowers employees and drives employer success. It lowers costs, improves health outcomes, and positions your business as a leader in employee care.
If you’re ready to elevate your benefits, without spending a dime, Harmoni125 is your next strategic move.
Take the Next Step
Get started with Harmonicare today. Get a free proposal today and discover how Section 125 can save your business thousands with zero cost or disruption.