Solution II — The Financial Health Standard

Preventive health infrastructure.
Zero cost. Full compliance.

A preventative health program that improves health standards held by employees, immediately improving culture and reducing rising health costs. Delivered through fully compliant pre-tax structures at zero cost to both employers and employees.

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$600
Employer Savings
Per Employee / Year
$1,000
Employee Savings
Per Year
$0
Cost to Employer
or Employee
Program Details

Benefits that cost nothing.
Legally. Compliantly.

A comprehensive employee health program structured under existing IRS code, delivering genuine value at zero cost to employers and employees.

What's Included

  • 24/7 telemedicine access (primary, urgent, behavioral)
  • Dedicated 1:1 health coaching
  • Preventive screenings & diagnostics
  • Employee Assistance Program (EAP)
  • Mental health & wellness support
  • Dependent coverage available
  • Personal health dashboard per participant

Compliance Framework

  • IRC §125 — Cafeteria plan structure
  • IRC §213 — Medical expense qualification
  • IRC §105 — Employer-provided benefits
  • Pre-tax deduction methodology
  • DOL & ERISA compliant
  • Annual compliance audit included
  • Deploys alongside existing benefits
Tax-Advantaged Structure

Built on existing IRS code.
Not a workaround.

Every element of The Financial Health Standard is structured under established IRS provisions, ensuring full compliance and maximum tax advantage.

IRS Code Framework

Established tax provisions

  • IRC §125
    Cafeteria plan structure enabling pre-tax employee contributions
  • IRC §213
    Medical expense qualification for eligible preventive health services
  • IRC §105
    Employer-provided benefit exclusion from gross income

Tax Impact

Savings for both parties

  • Employer Tax Reduction

    Reduces FICA, FUTA, and state payroll tax obligations

  • Employee Tax Reduction

    Reduces federal and state income tax through pre-tax deductions

  • Day-One Savings

    Tax advantages begin immediately upon program enrollment

Structured under existing IRS code. Not a loophole. Not a workaround. A compliant, audited framework that delivers real value.

Financial Impact

Measurable savings from
day one.

$600
Employer Savings
Per Employee / Year
$1,000
Employee Savings
Per Year
$0
Cost to Employer
or Employee

Example: 200 Employee Organization

Hypothetical firm with 200 full-time W2 employees

Employer savings (200 × $600) $120,000 /yr
Employee savings (200 × $1,000) $200,000 /yr
Total annual value generated $320,000
Eligibility

Simple requirements.
Immediate impact.

  • 50+ full-time W2 employees
  • US-based organization
  • Active payroll processing
  • All industries and sectors considered
  • Deploys alongside existing benefits
  • Zero cost to employer or employee
Minimum Headcount
50+
full-time W2 employees
All industries considered.
Complements existing benefits.
No disruption to payroll.
Get Started

Improve your clients'
health standards.

Schedule a confidential 1-on-1 to learn how The Financial Health Standard can deliver measurable savings and better health outcomes for your clients.

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