Quantum HB: premium health & accident benefits, at zero cost.
Quantum HB is a Fully Insured Hybrid Wellness Plan: 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. We now offer two plan options, so there’s a fit for more companies than ever.
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 25+ 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 SurveySee your estimated payroll tax savings
Enter your number of full-time employees to see what this program could put back in your business.
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 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.