Free Employee Healthcare Funded by Payroll Tax Savings — At $0 Net Cost
Summit Health Benefits provides IRS-compliant Section 125 Cafeteria Plans for small and mid-sized businesses. FICA tax savings of $91.81 per employee per month fund employer-sponsored healthcare with no direct cost to the employer or employee.
Section 125 Funding Made Modern
Free benefits without the guesswork. Section 125 FICA savings pay for employer-sponsored healthcare — no direct payments by the employer or the employee.
How FICA Tax Savings Fund Benefits
When a W-2 employee elects healthcare through a Section 125 Cafeteria Plan, eligible payroll is treated as pre-tax. That lowers both employee and employer FICA liability and converts payroll tax savings into funding for coverage.
Employee Wins More Take-Home Pay
An employee earning $2,600 per month keeps an additional $72 per month in take-home pay while receiving employer-paid family healthcare coverage at no extra cost.
Employer Saves on FICA Every Month
Employers reduce their FICA liability from $198.90 to $107.09 per employee per month — a saving of $91.81 that directly funds the benefit plan.
Four-Step Premium Funding Flow
Employee paycheck → pre-tax benefit election → FICA tax savings generated → healthcare funded at $0 net cost. The entire cycle is IRS-compliant and requires no direct employer payment.
One Login. Everything Healthcare.
Your employees get instant access to care — no insurance cards, no confusing bills, just healthcare that works.
Simple. Fast. Accessible.
Employees book virtual or in-person appointments same day, receive 93% of generic prescriptions at $0 cost, access licensed therapists on demand, and manage all care through a single mobile app.
Nationwide Provider Network
350,000+ doctors, 70,000+ pharmacies, 2,100+ labs, 4,000+ imaging centers, 250,000+ dentists, and 100,000+ eye clinics available across all 50 states.
What Is Included
Primary care, urgent care, mental health counseling, specialist visits, lab tests at 60% off, and imaging at 75% off — all included in the base plan at $0 employer cost.
Two Options. Both Save You Money.
Start with the free Cafeteria Plan or upgrade to Premium for comprehensive major medical coverage.
Cafeteria Plan — Free for Employers
$0 per employee per month. Includes 24/7 virtual urgent care, virtual primary care, mental health counseling, 800+ covered prescriptions, dental, vision, specialist messaging, and family coverage for 350,000+ doctors nationwide.
Premium Plan — $125 per Employee per Month
Combines Section 125 tax advantages with HealthShare coverage. Adds hospitalizations, ER visits, maternity, cancer and major medical coverage, preventive care, annual physicals, and comprehensive protection nationwide.
From Zero to Running in 6 Weeks
Effortless for employers, rewarding for employees. Summit Health Benefits handles everything end to end.
Phase 1 — Proposal
Step 1: Free Consultation — our experts walk you through every detail. Step 2: Payroll Analysis — we model your exact FICA savings under NDA. Step 3: Review Proposal — receive a fully customized plan with itemized savings.
Phase 2 — Launch
Step 4: Sign Contract — all IRS-required documents prepared for you. Step 5: Socialize Benefits — we present the plan to your employees and answer every question. Step 6: Launch — payroll is updated and employees access benefits immediately.
What Employers Are Saying
500+ companies trust Summit Health Benefits across all 50 states. 98% employee satisfaction rate.
Garza Management Company — Houston, TX
"They have enabled our organization to save hundreds of thousands of dollars annually while providing valuable benefits to our employees." — Gigi Garza, Owner
Safety Net Inc.
"We are achieving annual savings of over $500,000. The program has been instrumental in sustaining our business." — Ronald Moore, COO & CFO
Black Tiger Medical Transportation
"We are now realizing annual savings exceeding $140,000. The program has been exceedingly well-received by my employees." — Brandon Zora, Owner/CEO
Built for Small & Mid-Sized Businesses
Works perfectly for part-time staff, high-turnover roles, and multi-location teams. From 3 to 200+ employees across all 50 states.
Industries Served
Restaurants, retail, trucking, construction, logistics, manufacturing, home health, call centers, salons, and hospitality. If you have W-2 employees, Section 125 works for your business.
Frequently Asked Questions
Everything you need to know about Section 125 Cafeteria Plans — answered plainly.
What is a Section 125 Cafeteria Plan?
A Section 125 Cafeteria Plan is an IRS-approved benefit program that allows employees to pay for qualified benefits with pre-tax dollars, reducing FICA taxes for both employer and employee. The savings fund healthcare at zero net cost.
Who is eligible for Section 125 benefits?
All W-2 employees are eligible — full-time and part-time — across every industry. 1099 contractors are not eligible.
How much does this cost employers?
The Cafeteria Plan is $0 per employee per month. FICA tax savings of $91.81 per employee per month fund the benefits automatically.
Is this IRS-compliant and legal?
Yes. Section 125 has been part of the IRS tax code since 1978. Summit Health Benefits provides all required plan documents and compliance support. The program is audited by the 5th largest CPA firm and reviewed by ERISA attorneys.
How quickly can we implement?
Most employers are live within 10 to 14 business days. Summit Health Benefits handles all paperwork, employee enrollment, and payroll integration.
Can part-time employees participate?
Yes. Section 125 covers all W-2 employees regardless of hours worked — a key advantage over traditional group insurance that typically excludes part-time workers.
Fully Compliant. Fully Audited. Fully Legal.
Every aspect reviewed by top CPAs and ERISA attorneys. IRS Section 125 approved. HIPAA compliant. Audited by the 5th largest CPA firm. ERISA attorney legal opinion. Licensed in all 50 states.
Ready to Give Your Team Real Healthcare?
Schedule a 10-minute demo. We will show you exactly what your FICA savings look like and how quickly you can launch. No commitment required. Average response time under 2 hours. Live in under 6 weeks.