For employers · A Section 125 wellness program
Lower payroll tax.
Lift every paycheck.
Without changing insurance.
OffsetWell is a fully-compliant Section 125 + SIMERP wellness program that reduces employer FICA exposure and increases employee take-home pay — funded by tax savings, paid for by itself.
$640
Avg employer FICA savings, per employee, per year
from §125 cafeteria plan structure
$1,930
Avg employee take-home pay increase per year
net of program fee, no out-of-pocket cost
$0
Net cost to employee
non-qualifiers excluded before enrollment
0
Disruption to existing insurance
works alongside major medical, never replaces
Figures are program-wide averages. Individual outcomes depend on workforce composition, salaries, state-specific tax structures, and existing benefit elections. Eligibility analysis required to project per-employee numbers.
Three steps. No hidden fees. No insurance changes.
From census to first-payroll savings, the full implementation typically lands in 30–60 days.
Free eligibility check
Send us your demographic census. Our tax & benefits team runs a no-cost analysis showing how many of your employees qualify and what your projected annual savings look like — itemized per employee.
5-7 business days · zero commitment
Plan setup
We file the Section 125 cafeteria plan, the wellness plan, and the SIMERP documentation. Employees are educated and 1:1 verified — only those whose net take-home pay actually increases get enrolled.
Audit-ready · no employee left worse off
Savings flow next pay cycle
Employer FICA exposure drops in the next payroll run. Employees keep more of their paycheck. Members start using free preventive care, virtual visits, $0 prescriptions, and household wellness tools.
Recurring monthly · in perpetuity
Real benefits. Free to the employee. Member + 5 dependents.
Every employee enrolled gets the same comprehensive bundle — nationwide, with no copays, no deductibles, and no out-of-pocket cost.
24/7 virtual primary care
Same provider every visit. Board-certified U.S. physicians. No copays, no deductibles, no wait.
Virtual urgent care
Most consults answered in under 10 minutes. Pickup-at-pharmacy meds for acute issues at no cost.
1,000+ free generic medications
Mail-order home delivery on a 90-day cycle. Maintenance medications for the most common conditions.
Mental health & counseling
Master's-level clinicians, individual therapy, marriage counseling, crisis support — for the whole household.
Wellness, fitness & nutrition
Personalized coaching, weight management, smoking cessation, fitness apps, structured behavior modules.
Identity theft protection
Whole-household credit monitoring, alerts, and remediation. A real benefit, not a marketing gloss.
If you run payroll for 10 to 15,000 W-2 employees, this is for you.
Sweet spot is 100–15,000 employees with existing major-medical insurance and a workforce that takes home anywhere from $30,000 to $200,000+ per year. The math works hardest in stable, full-time, mid-wage workforces with predictable payroll.
- Schools & Districts
- Municipalities
- Public-Sector Agencies
- Healthcare & Senior Care
- Manufacturing & Logistics
- Hospitality & Service
- Mid-Market Employers
- Multi-Entity & PEOs
Audit-ready by design.
Built on the IRS-recognized Section 125 + 105 + 213(d) framework, with SIMERP fair-market valuation by an independent actuarial firm. Documentation is filed for every plan year. Your HR director never wonders if they are exposed.
IRC §§ 105, 106, 213(d)
Anchored in long-standing federal tax code provisions for employer-provided medical care.
§ 125 Cafeteria Plan
Pre-tax wellness premium structure, filed and administered for you.
§ 105 SIMERP
Self-insured medical expense reimbursement program — fair-market valuation independently audited.
Net-pay verified per employee
Eligibility analysis confirms net take-home pay rises before any employee is enrolled.
See your savings.
Free, non-binding, plain English.
Tell us a bit about your team — we'll come back with a per-employee eligibility breakdown showing exactly how many of your people qualify and what your projected annual employer + employee savings look like.
Get notified when OffsetWell goes live.
One short note when enrollment opens — Q2 2026. No spam, no drip campaign.