Cut over $500 per employee in payroll taxes — and give your team $0 out-of-pocket cost health benefits with $0 copays.
Health Source is funded entirely by the payroll-tax savings it creates — so you keep more cash every year and your employees get benefits they'll actually use: $0-copay doctor visits, free prescriptions, 24/7 telehealth, mental health, and more for their whole family. With $0 out-of-pocket cost to them or you.
For employers with 10+ full-time W-2 employees · Backed by our $0-Budget Guarantee
Estimated annual savings
$28,650
for a 50-employee company*
What your employees get
- Unlimited doctor office visits
- Free prescriptions
- 24/7 virtual care
- Mental health support
*Based on ~$573/employee average annual FICA savings. Your exact number is calculated on your free call.
Built to plug into the payroll platform you already use
Healthcare costs climb every year. Your people feel it too.
Renewals never stop rising
Premiums climb 7–10%+ a year with no end in sight, eating margins you can't get back.
Employees skip care they need
High deductibles and copays mean your team avoids the doctor — and small problems become big ones.
Good benefits keep good people
Coverage is what retains your best employees, but richer benefits usually mean a bigger bill.
You're forced to choose
Protect your bottom line, or take care of your team. Most owners feel stuck picking one.
What if you didn't have to choose?
How we deliver $0-cost healthcare — where everyone wins
Our plan is funded by the payroll tax savings it creates, using a long-established, IRS-compliant structure. That means real benefits for your employees and real savings for you — without a new line item on your budget.
The Employer Wins
Lower payroll taxes, zero out-of-pocket
Reduce FICA by over $500 per employee per year and offer richer benefits — funded entirely by tax savings.
The Employee Wins
Free, comprehensive care for the family
Unlimited doctor visits, free prescriptions, mental health, and more.
Your Bottom Line Wins
A healthier, more loyal workforce
Healthier employees mean fewer sick days, higher productivity, and the retention that keeps you growing.
Built to protect your margins and your people
Everything is designed so great benefits cost you nothing out of pocket — and free up cash you're losing today.
No out-of-pocket cost
Programs are funded through tax savings — never a new line item on your budget.
Over $500 saved per employee / year
Reduced FICA payroll taxes drop straight to your bottom line, every single year.
Maximized purchasing power
We stretch every benefit dollar further so you get more coverage for less.
Expert education & support
We handle enrollment, questions, and ongoing admin so your team doesn't have to.
Old-school customer service
A real person and a real phone number whenever you or your employees need help.
Bridges rising benefit costs
Close the gap between what great benefits cost and what you can actually afford.
Unlimited care, anytime, anywhere
The benefits your employees actually want — most at $0 deductible and $0 copay, for the whole family.
24/7 Virtual Care
Talk to a doctor anytime, on demand.
$0 deductible · $0 copay · Employee + entire family
Unlimited Doctor Office & Urgent Care Visits
The plan pays 100% of office visit charges.
$0 deductible · $0 copay · Employee only
Free Prescriptions
No copay or cost on 85% of the most commonly prescribed medications.
Employee + entire family
Mental Health Support
Therapy and counseling for anxiety, depression, stress, ADHD, trauma/PTSD, relationships, and more.
Confidential · On demand
100% Preventative Care
The plan pays 100% of preventative services to keep your team ahead of problems.
Fully covered
Virtual Pet Care
Unlimited virtual visits with licensed veterinary professionals.
$0 deductible · $0 copay
Life Insurance (optional)
Most employees qualify for up to $100K of permanent life insurance, issued by a licensed carrier, that builds cash value at a guaranteed 3%.
Permanent · No expiration
Health Technology
FDA-registered facial-scan vital-sign tracking helps employees stay on top of their health.
Included
Enrollment your employees will barely notice
Automatic enrollment
All eligible employees are enrolled — no paperwork chase.
Immediate coverage
Benefits take effect right away.
30-day opt-out window
Employees can opt out within 30 days, no questions asked.
Dedicated support
Every employee gets a direct contact number and real help.
Two components. One simple, compliant plan.
For the detail-oriented: here's exactly how the plan is structured — and why it's fully IRS-compliant.
"Super" MEC Plan
- Pre-tax component of the plan through auto-enrollment.
- Reduces payroll and FICA taxes for both the employer and the employee.
- Every enrollee receives Super MEC coverage: in-person physician and urgent care, prescriptions, and preventive care as set forth in the plan.
- Benefit claim payments are paid directly to providers for treatment given to members.
- Accordingly, there are no tax implications for the member or the employer plan sponsor.
Health Population Management Plan
- Post-tax component, funded exclusively with after-tax dollars.
- Generates CPT codes tied to a claim and a nontaxable insurance payment to the employee — just like any accident, hospitalization, or cancer defined-benefit policy.
- That payment is properly excludable from the member's gross income under Section 104(a)(3).
- Includes wellness participation: nutrition, fitness, stress, tobacco cessation, biometric screening, telemedicine, and coaching.
100% IRS-compliant. Claims are paid directly to providers and the structure relies on long-established sections of the tax code. There are no tax implications for you or your employees — and we're glad to share the plan's compliance documentation on your call.
We do the heavy lifting. You approve the savings.
Four simple steps from first call to fully implemented.
Discovery
We collect a payroll-generated census so we can determine eligibility and your exact tax savings.
Analyze Proposal
A short meeting to review eligible employees, your projected savings, and Q&A on the plan's impact.
Set Up
A scheduled call with your payroll administrator. Our API does all the heavy lifting with your provider.
Implementation
We roll out the plan and educate your employees. You start saving.
The numbers that matter
$500+
Saved per employee, per year in FICA
$0
Out-of-pocket cost to employer & employee
$0
Copays and deductibles
24/7
Access to virtual care for the whole family
An offer this good should make you skeptical
So here's exactly what makes it real — no hand-waving.
IRS-compliant by design
Built on Section 125 (pre-tax) and Section 104(a)(3) (post-tax) — provisions of the tax code that have existed for decades.
Claims paid directly to providers
Payments go straight to the doctor, pharmacy, or clinic — nothing to front, nothing to chase a reimbursement for.
Backed by our $0-Budget Guarantee
If the plan ever costs you out of pocket, you don't run it. The tax savings fund it — that's the entire model.
Yes, it's real. Here's how it works.
There's no catch. The plan is funded by payroll tax savings created through an IRS-compliant structure — the same sections of the tax code used by accident and indemnity policies for decades. Employees get real benefits, employers reduce FICA, and we package it so it costs you nothing out of pocket. We're happy to walk through the compliance documentation on your call.
Still have questions?
Find out exactly how much you'd keep this year
Book a free 15-minute call with a senior benefits advisor. We'll show you your exact payroll-tax savings — to the dollar — and map out exactly how to get it set up for your team. No obligation. For employers with 10+ full-time W-2 employees.
- Backed by our $0-Budget Guarantee
- Your exact projected savings, to the dollar
- We handle setup end-to-end
- Work directly with a senior benefits advisor
How many full-time W-2 employees do you have?
Enter your headcount — your estimated annual savings updates instantly below.
Estimated annual payroll-tax savings
$14,325
for 25 employees, at $573 each in FICA.
Plus, every employee gets:
- Unlimited doctor office visits
- Free prescriptions (85% of scripts)
- 24/7 virtual care
- Mental health support
Estimate only. We'll calculate your exact figure on the call.
Free 15-minute call · No cost, no obligation