LOWER PAYROLL COSTS WITHOUT CHANGING YOUR HEALTH INSURANCE
Practical way for business owners to reduce payroll expense and
give employees better access to everyday care.
Most owners aren’t looking for a new benefit or a tax strategy
They’re looking for a way to stop unnecessary payroll costs, without creating new problems.
Built for businesses with W-2 employees where payroll and benefits are meaningful costs.
A Realistic Example with around 80 employees
Employers Save
$567
Per Worker Per Year
80 Employees Save’s Employer $45K Per Year
Employees Add
$1500
More To Their Paycheck Per Year
80 Employees Saves Employees $120K Per Year
This sounds interesting…
But I don't want new problems
I don't want a compliance issue later
I don't want to replace my health insurance
I don't want employee confusion
I don't want another project
If you’re like most owners we talk to, you’ve probably thought:
Those concerns are reasonable.
This approach was built with them in mind.
What This Is — In Plain, Practical Terms
This is a smart, IRS-approved strategy that lets you reduce your payroll tax burden while giving your employees access to valuable health and wellness benefits — without changing or replacing their existing health insurance. It's designed specifically for business owners who want real savings without complexity.
Lower overall payroll burden
Employees keep more pay
Health insurance stays the same
No new systems to manage
What About Cost?
There is no additional out-of-pocket cost for the employer or the employee.
This works because existing payroll dollars are redirected more efficiently — not because anything new is added.
The net effect is:
No increase to your total spend
No reduction in employee pay
No surprise fees
Employers Save
$567
Per Worker Per Year
80 Employees Save’s Employer $45K Per Year
Employees Add
$1500
More To Their Paycheck Per Year
80 Employees Saves Employees $120K Per Year
To Be Clear, this is:
What This Is Not
Not a replacement for insurance
Not a major medical plan
Not a complicated wellness program
Not an HR burden
Not a short-term gimmick
Why Owners Choose us
•Controls rising costs
•Employees actually use it
•Helps retention without raises
•Minimal ongoing management
When This Makes Sense
W-2 employees
Payroll is meaningful expense
Retention matters
If it's not a fit, we'll say so.
How Employees Experience This
Their health insurance does not change
Nothing is taken away or replaced
Their paycheck often goes further
Getting everyday care becomes easier and less expensive
$0 copay unlimited primary and urgent care visits for employees.
$0 copay 24/7 Virtual care and mental health support for employees and their families.
$0 copay on 400+ prescriptions for employees and families.
Lab tests available at a $0 copay for employees and families.
What the Process Looks Like
Short conversation
Review realistic numbers
Decide if it makes sense
Implement with minimal disruption
What Other Owners Are Saying
"We didn't change insurance or benefits… saved real money and our guys noticed."
— Mark T., Construction Business Owner
"Simple, practical, no disruption."
— Linda S., Restaurant Owner
Is This Worth a Conversation?
We understand you're busy and cautious about adding complexity. That's why we start with a straightforward conversation — no pitch, no obligation. We'll review your situation, run the numbers, and help you decide if this makes sense for your business.