Quantum HB: premium health & accident benefits, at zero 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.
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
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
- Available to companies with 20+ employees
- Benefits stack — multiple benefits can apply to the same event
- Checks go directly to the employee to use as needed
The tax code logic behind Quantum HB
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.
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, 2026of employees say they would consider changing jobs for better benefits.
— SHRM Benefits SurveyWatch the full Quantum HB presentation
A complete, agent-approved walkthrough of the plan, compliance, and numbers — about 17 minutes.
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 structures like Quantum HB 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.