Receive $1,097 Per W-2 Employee.
ChoicePlans uses IRS Section 125 to permanently reduce payroll taxes for any employer with W-2 employees. Zero cost to implement. Nothing changes. Savings start on the next payroll run.
No obligation. Eligibility confirmed on the call.
Every payroll cycle, FICA taxes are calculated on the full wage amount. IRS Section 125 legally reduces the taxable wage base - permanently. The employer pays less. Every employee takes home more. Nothing changes operationally.
Recurring on every payroll run. No upfront fees. No changes to headcount, benefits, or operations. Savings begin on the first run after enrollment.
Same gross pay. Lower taxes withheld. A raise without changing a single salary. Over 70% of employees opt in because their paycheck increases immediately.
Simple to Start.
We Handle the Rest.
From signed paperwork to active savings in under 30 days. All plan documents, compliance filings, employee enrollment, and payroll integration are handled by our licensed third-party administrator. Nothing falls on the employer team.
A simple intake form that takes about 10 minutes. Confirms headcount, existing benefits, and payroll provider. This is the full extent of what the employer team does to get started.
Our team manages plan documents, ERISA and ACA filings, employee enrollment communications, and full payroll system integration. No action required after the intake form.
The program activates on the next payroll run. The employer immediately retains taxes previously being overpaid. Savings recur automatically on every run after that.
Backed by a licensed TPA. ERISA, ACA, and non-discrimination testing managed on behalf of every enrolled employer. Compatible with ADP, Paychex, Gusto, QuickBooks, Rippling, and all others.
The Advantages.
For Everyone.
ChoicePlans wins on both sides of payroll. Employers reduce what they owe in taxes. Employees take home more on every check. Neither party changes a thing operationally.
Book a Free Discovery CallMaximum annual FICA reduction per W-2 worker based on IRS Section 125 at the 7.65% employer share. Net savings after fees are $617 per enrolled employee per year.
$91.42 in monthly FICA savings minus the $40 admin fee equals $51.42 per employee per month in net savings. The program pays for itself on the first payroll run.
No payroll system migrations. No changes to existing benefits, carriers, or networks. Compatible with ADP, Paychex, Gusto, QuickBooks, Rippling, and all others.
Workers compensation premiums, unemployment insurance, and 401k matching contributions are fully unaffected. Existing major medical stays exactly the same.
FICA tax reduction is captured automatically on every cycle. Savings compound year over year with zero ongoing administrative burden on the employer team.
Plan documents, ERISA and ACA compliance, non-discrimination testing, enrollment coordination, and ongoing administration handled by our licensed TPA.
Most enrolled employees see an average net increase of $100+ per month in their paycheck. Same gross salary - lower taxes withheld. A raise without changing a single salary line.
Every enrolled employee receives primary care, urgent care, telemedicine, prescriptions, preventive care, identity protection, travel club, and veterinary telemedicine - all at zero or near-zero cost.
ChoicePlans supplements existing major medical - it does not replace it. Same doctors, same network, same carrier. Employees keep everything they already have and gain more on top.
70% of employees report higher retention likelihood when satisfied with benefits. A richer package and a bigger paycheck - with zero additional cost to the employer.
What This Looks Like
For the Business.
Based on $617 net per enrolled W-2 employee per year. These savings are not a one-time credit - they recur on every payroll run, compounding year after year. These savings are not a one-time credit - they recur on every payroll run, compounding year after year.
Get an Exact EstimateERISA, ACA, and non-discrimination testing managed by our licensed TPA.
ADP, Paychex, Gusto, QuickBooks, Rippling, and any other system. No changes required.
From signed paperwork to first payroll savings in under a month.
Annual Net Savings
$617 net per enrolled W-210 Benefits.
At No Extra Cost.
The IRS requires a qualifying benefit to unlock Section 125 savings. ChoicePlans wraps that into a package employees actually value - at no additional cost to the employer and with no replacement of existing coverage.
MultiPlan PHCS Network - 1.4 million+ providers, 5,600 hospitals, all 50 states. Largest independent healthcare network in the United States.
100% of in-network primary care visits covered. No deductible, no copay on the visit fee. Employee only.
100% of urgent care visit fees covered in-network through the PHCS network. No surprise bills.
Round-the-clock virtual access to licensed medical professionals. Covers employee and entire household in all 50 states.
All ACA-mandated preventive services fully covered. Adult and women services included. Employee only.
250+ prescriptions covered at near-zero cost across 60,000+ member pharmacies nationwide.
Thousands of articles and hundreds of Mayo Clinic videos accessible on any device.
Dark web monitoring, real-time fraud alerts, anti-virus software, and full US-based identity restoration services.
Wholesale access to 2.5M+ hotels, 18,000+ cruise itineraries, flights, and car rentals. No blackout dates.
24/7 licensed vet access in all 50 states. No copay, no waiting rooms, no appointments needed.
70% of employees report higher retention likelihood when satisfied with benefits. This package adds zero cost to the employer.
Works for Any Industry.
Two Requirements.
W-2 employees on payroll. Qualifying group major medical in place. That is it. Every industry qualifies as long as both boxes are checked.
Confirm Eligibility - Free CallEligibility check takes 15 minutes. Two criteria - W-2 employees and qualifying major medical in place. Book a free call and eligibility is confirmed on the spot, with an exact savings figure for the employer.
Employers Already Saving.
38 employees, saving over $23,000 a year. We were skeptical at first. Setup was painless and employees love the pay increase on every check.
Restaurant group with 200 staff. ChoicePlans handled everything. Saving $123,000 annually. Our team signed a few forms and that was it.
My accountant mentioned Section 125 but never helped implement it. ChoicePlans was live in three weeks. Savings went straight to the bottom line.
We have 115 employees across three locations. ChoicePlans set everything up in under a month. We are saving over $70,000 a year and our employees are seeing bigger paychecks.
As a construction company with seasonal fluctuations, I was worried this would be complicated. It was not. ChoicePlans integrated with our ADP payroll and we have not touched it since.
We brought this to our CFO and she approved it in the same meeting. The numbers are undeniable. 85 employees, saving $52,000 a year. Zero disruption to our operations.
Straight Answers.
Is this legal and IRS compliant?
What does it actually cost to implement?
Will this affect existing employee benefits or 401k?
How long does setup take?
Do all employees have to participate?
What are the two eligibility requirements?
Every Payroll Run
Without This Costs Money.
Book a free 15-minute discovery call. Eligibility confirmed. Exact savings calculated. No obligation.
Book a Free Discovery Call