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:

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 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:

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 Harmoni125With Harmoni125
Higher taxable incomeReduced taxable income
Rising payroll tax costs~$800/year savings per employee
Minimal support beyond insuranceFull Telehealth, counseling, and wellness
Static, underused benefitsHigh-utility, real-world value
Employee frustrationEmployee 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:

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:

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.

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