More Pay. Real Care. Mitigated Risk.
PH125+ helps employers increase employee take-home pay and provide real healthcare access, all within a fully compliant, insurance-backed benefits structure.
No commitment. See the numbers for your workforce in 30 minutes.
Most employers are spending more on benefits while employees use them less. Wages feel stuck. Turnover stays high. Something has to change.
Healthcare spend keeps climbing while employee satisfaction with benefits stays flat.
Most employees don't understand or use the benefits you're already paying for.
Competing on salary alone is unsustainable. There is a smarter lever to pull.
PH125+ uses a Section 125 cafeteria plan structure to redirect tax dollars that were already leaving your employees' paychecks. The result: employees take home more money, access real healthcare, and employers reduce compliance exposure.
No changes to your existing health insurance plan. No additional cost burden on the company. Just a smarter structure.
Most employees see $80 to $150 more per paycheck.
Virtual urgent care, primary care, behavioral health, and prescriptions.
Insurance-backed compliance protection and a formal legal tax opinion.
Six straightforward steps. Live in as little as four weeks.
Enrollment happens through your company's Section 125 plan. No changes to your existing health insurance.
A monthly premium is deducted before taxes, reducing each employee's taxable income.
Lower taxable income means lower federal, state, Social Security, and Medicare withholding.
Employees complete a quick monthly health management activity through the PH125+ mobile app.
A post-tax claim payment is added back into the employee's paycheck.
The combination of tax savings and claim payments puts real money back in their pocket every pay period.
Every plan includes a full suite of benefits your employees will actually use.
24/7 access. No copays. No appointments. For the whole family.
Your own physician. Ongoing relationship. Refills and labs included.
Therapy, psychiatry, and coaching for anxiety, depression, ADHD, and more.
1,000+ medications at zero cost. 70,000+ pharmacy network.
80+ labs at $0 copay through Quest Diagnostics and Labcorp.
Fixed cash benefits for ER visits, ambulance, hospital stays, and ICU.
IRS-certified Enrolled Agents for employees and household members.
Dedicated support for finding providers, billing questions, and claims.
Direct connections with ADP, Paychex, UKG, Paycom, Gusto, and more.
PH125+ is not a workaround. It is a formally structured, legally validated, insurance-backed benefit program.
Issued by a nationally recognized employee benefits and tax law firm. The program structure is validated under existing IRS tax regulations before you ever deploy.
Insurance-backed coverage up to $1,000,000 depending on employer size. Covers legal defense costs, penalties, interest, and FICA-related liabilities if a dispute ever arises.
Additional take-home pay per employee per paycheck on average.
Average implementation timeline from analysis to go-live.
Maximum compliance protection insurance available per employer.
We rolled PH125+ out to 400 employees and saw immediate improvement in retention conversations. Our team finally felt like their pay reflected their work.
The compliance coverage gave us the confidence to move forward. The implementation team handled everything.
No. PH125+ works alongside your current health insurance plan. There is no disruption to existing coverage, and no employees need to switch carriers or plans.
Yes. PH125+ is built on a Section 125 cafeteria plan, a structure that has existed in the IRS tax code for decades. The program is backed by a formal legal tax opinion from a nationally recognized law firm and compliance protection insurance of up to $1,000,000.
Most employees see an additional $80 to $150 per paycheck depending on income, filing status, state, and plan tier. Your consultant will run a personalized analysis for your workforce during your free call.
PH125+ is designed for employers with 100 to 5,000 employees, particularly organizations with hourly workers or mixed-income workforces. If you are unsure whether your company qualifies, book a call and we will tell you within the first ten minutes.
Yes. PH125+ integrates with most major payroll platforms including ADP, Paychex, UKG, Paycom, Paylocity, Gusto, iSolved, TriNet, and more through direct API connections and deduction imports.
Typical deployment takes 4 to 8 weeks. Week 1 to 2 covers analysis and configuration. Weeks 3 to 6 cover employee education and onboarding. Go-live follows from there.
Employers enrolled in the compliance protection program are covered for legal defense costs, interest, penalties, and FICA-related liabilities up to their coverage limit. You are not on your own.
In 30 minutes, your consultant will run a workforce analysis, show you a projected pay increase for your employees, walk you through the benefit suite, and answer any compliance questions. No pitch, no pressure.
See exactly how much more your employees could take home. It starts with one conversation.
30 minutes. No commitment. Real numbers for your workforce.