In today’s ultra-competitive job market, simply offering health insurance isn’t enough. Employees want more. Employers want to save more. That’s where section 125 plans, specifically, innovative programs like Harmoni125, come in. Unlike traditional pre-tax plans, Harmoni125 integrates Section 125 with a Preventative Care Management Plan (PCMP) and Self Insured Medical Reimbursement Plan (SIMRP) to create one of the most benefit-rich, compliant, and cost-free packages available today.
Let’s explore why employers and employees are quickly making the switch to this smarter benefits model.
What Are Section 125 Plans? Why Are They Important?
A Section 125 plan allows employees to pay for certain benefits using pre-tax dollars, reducing their taxable income. While traditional 125 plans employee benefits include basic medical or dependent care, they often lack depth, flexibility, or holistic coverage.
Harmoni125 changes that.
It leverages Section 125, but goes much further by combining it with PCMP and SIMRP, offering coverage that includes mental health, 24/7 virtual care, RX with $0 copays, and even group term life insurance, all managed automatically and at no cost to the employer.
How Harmoni125 Works: More Than Just Tax Savings
Harmoni125 is built for scale and simplicity. Designed for companies with 30,000+ enrolled employees, this solution helps employers offer better care while reducing costs and compliance burdens.
- Fully Integrated Compliance
- Forget the paperwork. Harmoni125 handles Section 125 documentation, ACA reporting, IRS filings, and more, automated and done for you. No need to burden your HR team or risk audits.
- No Out-of-Pocket Costs for Employers
- There’s no setup fee, no administrative cost, and no ongoing expense. Employers save $1,100 per year per W2 employee while also cutting healthcare costs by 5-10%.
- Fast Implementation
- You can launch Harmoni125 within 30-45 days, without disrupting existing coverage. It’s a plug-and-play solution with immediate ROI potential.
Employee Benefits That Actually Matter
The real power of Harmoni125 lies in the depth and human-first nature of its benefits. With more than 30,000+ employees enrolled, the plan delivers far beyond traditional health coverage.
- Full Family Coverage with Zero Copays
- Employees and their dependents (spouses, children) receive 12 in-person care visits per year, all at $0 copay. This includes urgent care and specialist access, with no surprise bills or hidden charges.
- 24/7 Telemedicine and Virtual Care
- From late-night illnesses to mental health support, employees can access licensed doctors, nurses, and coaches 24/7, without missing work or dealing with scheduling delays.
- Group Term Life Insurance
- This is one of the most critical and unique offerings in Harmoni125. Employees get Group Term Life Insurance valued at $60-$100/month, a benefit that typically isn’t included in traditional packages. It adds a real sense of security for families.
- RX Coverage With No Copays
- Prescriptions are covered under the plan with no copays at all. No tiers, no delays, just consistent, affordable medication access for employees and their families.
- Mayo Clinic Programs and Wellness Dashboards
- Employees gain access to the Mayo Clinic’s leading wellness tools, including diagnostics, health tracking, and behavior coaching. Every employee receives a personalized dashboard to manage their health journey with confidence.
- Mental Health, EAP & Addiction Support
- Unlike traditional plans that treat mental health as optional, Harmoni125 makes it a core component. From addiction counselling to mental health therapy, all services are included and extended to dependents.
Why Employers Love Harmoni125?
Here’s what makes Harmoni125 a game-changer for companies:
- Employer Savings and Tax Advantage
- Employers save an average of $1,100 per year per W2 employee, boosting profits without changing payroll. A company with 100 employees could reclaim $110,000 annually, just through smarter benefits structuring.
- Reduced Healthcare Claims
- By focusing on preventative care, Harmoni125 helps reduce healthcare claims, leading to 5-10% lower healthcare costs over time. Employees stay healthier, and insurance premiums stay under control.
- No Cost, No Admin, No Disruption
- This plan runs parallel to your existing insurance. There’s no need to replace your carrier or force employees to change providers. It’s completely turnkey and doesn’t touch your core offerings.
- Better Retention and Recruitment
- Modern workers care deeply about family support, mental health, and financial protection. Harmoni125 delivers all three. When benefits reflect real-life needs, employees stick around longer and tell others.
The Compliance Advantage with Harmoni125
One of the most overlooked benefits of adopting Harmoni125 is its built-in compliance support. Navigating the ever-changing landscape of IRS, DOL, and ACA regulations can be overwhelming for even the most seasoned HR teams. One small oversight, whether in pre-tax benefit handling, ACA reporting, or required plan documentation, can trigger costly penalties or audits.
Harmoni125 removes that burden by automating compliance through its integrated platform. Every piece of paperwork, from Section 125 documentation to SIMRP records, is managed with precision. Employers no longer need to manually track forms, coordinate with third-party vendors, or worry about audit risks. The system keeps your benefits program 100% compliant year-round, without manual intervention.
Additionally, Harmoni125 ensures every eligible W2 employee is enrolled properly, contributing to ACA safe harbor eligibility and improved 1095-C accuracy. This not only keeps your business safe but also positions it as a responsible, proactive employer, something that resonates strongly in today’s transparent job market.
In short, the compliance advantage isn’t just about reducing risk; it’s about streamlining HR operations so you can focus on growth, not government red tape.
The Harmoni Care Value Proposition
Harmoni Care believes that true care means designing benefits that serve the whole person and their family. Harmoni125 reflects this mission by delivering a fully managed, tax-advantaged benefits system that’s:
- Compliant with ACA, IRS, and DOL rules
- Zero-cost to employers
- Simple to implement and scale
- Inclusive of families, mental health, and financial wellness
This isn’t just a plan. It’s a strategy to build loyalty, cut costs, and create a healthier workforce.
How Is Harmoni125 Different From Traditional Section 125 Plans?
While most section 125 plans stop at basic premium-only models (POP), Harmoni125 delivers a far more robust experience by integrating:
- Preventative Care Management Plan (PCMP)
- Self Insured Medical Reimbursement Plan (SIMRP)
- Group Term Life Insurance and Family Coverage
- RX and Mental Health Benefits with $0 Copays
It’s not just a tax savings tool- it’s a retention and performance strategy.
Who Is Harmoni125 Best For?
Harmoni125 is ideal for:
- Employers with 30,000+ enrolled employees
- Companies seeking cost savings without reducing benefits
- Organisations aiming to support mental health and family care
- HR departments are overwhelmed by compliance and admin
If your business fits this profile, Harmoni125 might be the most valuable shift you make this year.
Section 125 Is Just the Beginning
When evaluating 125 plans employee benefits, don’t settle for outdated models. With Harmoni125, you gain more than tax advantages; you offer meaningful support to your workforce and their families. From mental health care to life insurance, RX to virtual wellness, every touchpoint is designed to improve lives and save money.
Harmoni125 includes Section 125, but enhances it in ways that make it one of the most comprehensive, compliant, and automated benefit solutions available today.
Book Your 10-Minute Consultation
Ready to transform your employee benefits with Harmoni125?
Book your free consultation now, or Get a free proposal today and discover how you can save $110K for every 100 employees, while giving your team the care they deserve.