Generally 10 or more full-time employees
W-2 employees working 30 or more hours a week. Smaller employers are reviewed case by case.
For owners and executive teams
Better benefits for your team. Smarter payroll for your business.
What are you doing to offset your premium increase this year?
A benefits approach for owners and leadership. It works alongside your current health plan, which stays as it is, and helps employees take home more while lowering payroll tax for the company.
- Structured under the federal tax code
- Works alongside your health plan
- Eligibility checked first
A few quick questions. We check eligibility first, so your time goes to companies that fit. Read common questions.
Start with gross pay
An employee's wages before deductions are the starting point.
EmployerPayroll tax may decrease
EmployeeTake-home pay may increase
Illustrative flow, not to scale. Eligibility and results vary.
OwnersYou want to keep premiums in check without cutting coverage.
CEOsYou want a benefit your team notices and values.
CFOsYou want payroll cost clarity before you commit.
Structured under the federal tax code
Works alongside your health plan
Benefits for your whole team
Administration handled for you
$640Average net employer savings per employee, per year (illustrative average)
$0Co-pays and deductibles for virtual urgent and primary care
30 to 45 minDiscovery call once eligibility is confirmed
Find your fit
Answer a few quick questions
Each answer shapes the next question. At the end you will see what matters most for a company like yours.
Who qualifies
Eligibility comes first
The program is built for employers that meet the criteria below. If your company does not, we will say so before any call is scheduled.
Group health plan in place
The program works alongside a group health plan you already offer.
Leadership decision
Owners and executives make the decision. Your HR team can join the conversation.
Employers below the usual size are reviewed individually. Our team contacts you to review your case, and eligibility is confirmed only after that review.
A starting point
See what the estimate could look like
Enter your headcount and average pay. The result is a rough, illustrative figure to start the conversation, not a guaranteed saving.
Enter your number of full-time W-2 employees for a simple annual estimate. A company-specific review accounts for payroll, participation, and plan design.
Estimate employer payroll tax impact
The estimate uses an average of about $640 per employee per year, roughly $53 per month. Savings come from reduced employer payroll tax on qualifying pre-tax deductions, net of program costs.
Generally 10 or more full-time employees. Smaller employers are reviewed case by case.Estimated net savings per year
$16,000$1,333 per month
$640 per employee. Average estimate, not a guarantee. Actual results depend on payroll, participation, and plan design.This estimate is illustrative and should not be treated as a quote or a guarantee of savings.
For your CFO
A one-page summary to share
What the program is, who qualifies, how payroll changes, and the questions to bring to a discovery call. Built so finance can review it before any commitment.
Clear steps, with guidance along the way
How it works
A short call shows whether your business qualifies. If it does, we walk you through each step.
Discovery call
A 30 to 45 minute call to see whether the program fits your payroll.
Time needed
30 to 45 min
30 to 45 min
Census
You send a simple employee census. A complete one typically turns into a proposal in 5 to 7 days.
Typical turnaround
5 to 7 days
5 to 7 days
Proposal and decision
You review numbers specific to your company and decide whether to move forward.
Your call
Review before you decide
Review before you decide
Go live
We set up payroll with your team, host a live employee webinar, and open enrollment.
Ready for
Enrollment and payroll
Enrollment and payroll
EmployeeHas a routine need
Virtual carePrimary care, prescriptions, mental health
Your primary planKept for major medical needs
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Rural care team photo
Replace with a licensed stock photo of a local clinic or team (16:6 ratio)
Care when it is needed
Virtual visits, prescriptions, and mental health support, available to eligible employees alongside their current plan.
$0 out-of-pocket for program services
More support for the whole person
Benefits employees can use
Added benefits for your team, alongside the health plan they already have.
- Virtual urgent and primary care$0 co-pays and deductibles.
- Prescriptions$0 co-pays on common medications.
- Mental health and relationshipsSupport and resources for the whole person.
- Financial wellness, fitness, nutritionSupport and resources to stay on track.
For agents and consultants
Build a book that repeats.
If you already advise employers, you can open the door and own the relationship. Our corporate team handles the proposal, compliance, and implementation, so you can focus on the conversation.
Learn about the opportunityIndependent agent opportunity. Training and certification included.
- 01You own the relationshipYou bring the trust and the follow-up. We bring the playbook, training, and weekly support.
- 02Recurring PEPMA commission that can repeat as the book grows, not a one-time sale.
- 03Corporate-backedProposals, compliance, and implementation are handled by the corporate team.
Are you an agent or consultant? Partner with us →
Are you an employee? See your benefits →
Next step
Book a 30 to 45 minute discovery call
Tell us a few things about your company. If you meet the criteria, we will confirm the details and schedule the call.
Works alongside your current health plan. Your existing coverage stays as it is.
Common concerns
The questions leaders ask first
Does it cost employees anything?
Program services are designed to be available at no out-of-pocket cost to eligible employees.
What does my team notice?
Easier access to care, and a benefit they can use without waiting for office hours.
What about our current plan?
It stays in place. The program works alongside it, not in place of it.
Want the details for your company? Book a discovery call and we'll walk through them together.
Questions
Common questions
Will this change our current health plan?
No. Your plan stays as it is. The program works alongside it, so your team keeps its current coverage.
How much work does this add for HR?
Administration is handled for you. HR can join the discovery call and will see what, if anything, they need to do.
Does this replace our health insurance?
No. The program works alongside your existing group health plan. It is not insurance and does not replace major medical coverage.
Why does access to care matter?
In many rural areas, urgent and primary care are hard to reach, especially outside business hours, so employees often end up in the ER. The ER is costly for employees and for the company. Virtual access offers a lower-cost option. Results vary.
How does it help with premium increases?
Routine care handled through the program may reduce claims on your primary plan. Results vary by employer and are not guaranteed.
Where do the savings come from?
Eligible employees make pre-tax elections, which reduces wages subject to payroll tax. Employers may realize payroll tax savings as a result.
Does it cost employees anything?
Program services are designed to be available at no out-of-pocket cost to eligible employees. Confirm details for your plan during the discovery call.
Who is eligible?
Generally, companies with 10 or more full-time W-2 employees working 30 or more hours a week that already offer a group health plan. Smaller employers are reviewed case by case. Eligibility is confirmed before any program start.