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New way to provide employee benefits

Essentials Health Plan (EHP) has been using tax codes added by the ACA in 2013 to help add much needed coverage to the workforce at no net cost to the business.

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  • Give Your Employees a Net Pay Raise

  • Access the Top-Rated Comprehensive Preventive Plan

  • Increase Cash Flow up to $639.96/yr per Employee

  • Use available ACA mechanisms to help fund the benefit

  • (No Net Cost to Employer OR Employees!)

* Varies by employer; depends on eligibility, participation, fees, and implementation

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It's based on SIMERP, the most BENEFICIAL TAX strategy you've never heard of.

A Strategic Payroll (SIMERP) Plan structured to align with applicable IRS guidelines and administered with required documentation wellness incentives into real employer savings and real employee take-home pay—all without changing your broker or your health plan.

Employers can save up to $639 per employee per year.

Employees can gain more net pay and premium virtual-care benefits.

Everyone wins.

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What is a SIMERP?

SIMERP stands for Self-Insured Medical Expense Reimbursement Plan- a program rooted in IRS §1.105–11.

But EHP / Workforce Benefit takes this foundational concept to the next level by transforming it into a modern, scalable solution for businesses with 25+ employees (minimum is 10).

Here’s what makes SIMERP unique:

Tax Efficiency:

Built to help businesses save thousands annually through payroll tax reductions.

Compliance Simplified:

Designed to meet IRS guidelines, keeping your business audit-ready.

Modernized Benefits:

Provides employees with access to supplemental health coverage and preventative care resources—all at no added cost.

With SIMERP, businesses can leverage these benefits in a way that’s compliant, efficient, and impactful.

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How SIMERP Works:

A Step-by-Step Guide to Strategic Benefits.

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This is an add‑on alongside your current health plan. Nothing is replaced. The structure combines pre‑tax eligibility with sponsored services to increase employee net pay and lower employer taxes.

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Learn How to Implement the Ultimate Strategic Payroll Plan

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Why Choose This Scenario for Your Business?

Turn Payroll Tax Savings Into Meaningful Benefits That Drive Retention, Compliance, and Profitability.

This scenario represents more than a benefits program—it's a strategic approach to smarter business growth.

By leveraging allowable payroll tax strategies, this approach enables businesses to offer employees valuable benefits such as dental, vision, life insurance, and telehealth services.

It helps organizations save money, remain compliant with IRS guidelines, and strengthen employee satisfaction by connecting them with trusted providers.

Here’s how it delivers measurable value to your bottom line:

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Cut Costs Without Cutting Corners

  • Save up to $639 per employee annually through legally compliant FICA tax reductions.

  • Reduce taxable payroll, which can potentially lower workers’ compensation premiums.

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Retain Top Talent

  • Give employees access to no-cost supplemental benefits such as accident and disability insurance.

  • Boost morale, loyalty, and workplace satisfaction by offering coverage that meets real and practical needs.

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Simplify Compliance and Administration

  • This scenario is designed to align with IRS Section 105/125 requirements.

  • Receive end-to-end administrative support—from onboarding to audits—requiring minimal HR involvement.

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Drive Operational Productivity

  • Support employees with preventative care and mental-health resources that help reduce absenteeism and increase day-to-day productivity.

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Is Your Business Eligible for Smarter Benefits?

This Benefit Plan is designed for businesses with 20 or more employees (Minimum is 10 W2 employees who work at least 32 hours per week).

Take the first step toward saving thousands in payroll taxes and creating a benefits package that employees love.

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How the Self-Insured Medical Expense Reimbursement Plan (SIMERP) Works:

A STEP BY STEP GUIDE TO STRATEGIC BENEFITS

From tax savings to employee satisfaction, SIMERP is designed to streamline your benefits strategy.

The deployed SIMERP strategy transforms a traditional tax framework into a win-win-win solution for businesses.

Here’s how it works:

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STEP 1:

Setup & Compliance

SIMERP is implemented using IRS Section 105/125 plan design requirements and administered with required documentation to support compliance..

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STEP 2:

Payroll Integration

Pre-tax payroll deductions are applied, and can create beneficial FICA tax savings for your business and employees.

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STEP 3:

Employee Access & Benefit

Employees gain access to concierge virtual medical care and wellness services, and which can increase net pay! (varies)

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STEP 4:

Realize Savings & Retention

Can save $1000s annually while likely improving employee loyalty & retention with a designed to be cost-neutral benefits solution.

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Improve Employee Retention

Why adoption is strong

When employees see a real net take-home pay increase and immediate access to care, opt‑in rates typically climb. Participation is often strong with clear education (varies by employer).

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What stays at risk if nothing changes?

A few quick questions CFOs ask themselves before we run the numbers:

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How much payroll tax are we leaving on the table each year if eligible employees don’t participate?

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If employees are $100–$150 short in net pay each month, what does that do to retention, overtime, and recruiting costs?

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What’s the opportunity cost of waiting a quarter if Implementation often takes ~2–6 weeks (depending on payroll readiness and vendor coordination)?