For Business Owners · Section 125 Employee Benefit

Introducing Net-Free Benefits: premium health & accident coverage for your team, at zero net cost.

Companies save an average of $854 per employee annually in payroll taxes — while employees see roughly $1,000 more in take-home pay. No disruption to your existing payroll or health plan.

Best suited for businesses with 20+ employees. Companies with 10–19 employees may qualify for a scaled-down version with meaningful FICA tax savings.

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$854

Avg. employer payroll tax savings, per employee, per year

$1,000

Avg. employee take-home pay increase, per year

Cost to implement — for employer or employee

20+

Employees required to qualify

Employee Benefits

What every covered employee gets

✓24/7 Telemedicine for the employee and entire family, including behavioral health
✓Prescription drug coverage for up to 1,500 medications at $0 cost
✓Wellness plan — online learning, stress & sleep programs, smoking cessation
✓Zig Ziglar personal development coaching — 6 sessions/year
✓Critical illness benefit — $2,500
✓Daily in-hospital benefit — up to $1,000/day (30-day max/yr)
✓ER benefits for accident and sickness — up to $500 (3 visits/yr each)
✓Accidental benefit up to $1,000, plus ambulance coverage up to $500
✓Virtual veterinary care — 24/7/365, 4 appointments/year

Owner Benefits

What it does for the business

✓$854 average reduction in payroll taxes per employee, annually
✓Zero cost to implement — works with your existing payroll structure
✓Attract and retain talent in a competitive labor market
✓Fully IRS compliant Section 125 Cafeteria Plan structure
✓We handle the paperwork — easy setup, no disruption to operations
✓Full program for companies with 20+ employees — a scaled-down version is available for 10–19
✓Benefits stack — multiple benefits can apply to the same event
✓Checks go directly to the employee to use as needed

Why It Works

The tax code logic behind this benefit

Federal actuaries building the ACA found that preventive, wellness-based coverage dramatically lowers long-term health costs — the same reason Medicare covers colonoscopies and auto insurers discount for airbags. Section 125 of the IRS code lets employers structure benefits like these through pre-tax payroll, lowering the taxable wage base for both employee and employer while a separate benefit payment flows back to the employee.

94.7%

of insured Americans still worry about hospital bills — and an unexpected bill of just $4,354 is the average breaking point for serious financial strain.

— JG Wentworth Survey, 2026

78%

of employees say they would consider changing jobs for better benefits.

— SHRM Benefits Survey

Savings Calculator

See your estimated payroll tax savings

Enter your number of full-time employees to see what this program could put back in your business.

Number of full-time employees

Estimated Net Savings Per Year

Estimated Net Savings Over 10 Years

Based on the average employer payroll tax reduction of $854 per employee, per year. Actual savings vary by payroll structure and employee count.

The retention problem this solves

“Employees don’t just leave for more money. They leave because they feel financially vulnerable — and because a competitor offered something that felt like more security.”

The cost of losing a skilled tradesperson — recruiting, onboarding, lost institutional knowledge — runs 50% to 200% of their annual salary. Employers using benefit structures like this have reported turnover reductions of up to 30%. For a 30-person crew, that’s tens of thousands in avoided recruiting costs on top of $25,000+ in annual payroll tax savings.