Claim $1,097 Per Employee With No Cost To You
ChoicePlans is the IRS-approved payroll tax program that puts up to $1,097 per W2 employee back in your business every year - fully managed, zero out-of-pocket, approved in all 50 states.
Watch ChoicePlans In Action
Learn how hundreds of businesses are saving up to $1,097 per W2 employee every year - completely free to implement.
How It Works In 4 Steps
No complex overhaul. No disruption. ChoicePlans works alongside your existing payroll system.
A 15-minute call to confirm your eligibility and calculate your specific savings amount based on your workforce.
Our team manages the full implementation - plan documents, employee enrollment, and payroll system integration.
Employees opt in to the pre-tax benefit. Their take-home pay increases while your FICA liability decreases.
Your business immediately begins retaining the payroll taxes you were previously overpaying - every single payroll cycle.
Why Businesses Choose ChoicePlans
- No cost to the employer - The program is self-funded through the tax savings it generates
- Works with any payroll provider - ADP, Paychex, Gusto, QuickBooks - all compatible
- Employees benefit too - Their take-home pay increases at no additional cost to you
- IRS compliant since 1978 - Section 125 is a proven, court-tested federal law
- No impact on benefits - Workers' comp, unemployment, and 401k are unaffected
- Fully managed - We handle compliance, documents, and ongoing administration
Built For Employers Who Want More
Every feature designed to put money back in your business - without adding complexity.
The maximum annual employer FICA savings per W-2 worker - based on IRS Section 125 contribution limits.
At $91.42 in FICA savings vs. $40 admin fee, the program generates $51.42 net savings per employee per month - it more than pays for itself.
Most workers see a net increase of ~$100/month in take-home pay. The tax savings exceed the $195/month plan cost on every paycheck.
Fully compatible with ADP, Paychex, Gusto, QuickBooks Payroll, and all major processors. No system changes required.
Our team handles all documentation, enrollment materials, and payroll integration. Fast, friction-free, fully managed.
FICA savings are captured on every payroll run - weekly, bi-weekly, or semi-monthly. The more frequently you run payroll, the faster savings accumulate.
10 High-Value Benefits. $0 Copay On Most.
ChoicePlans supplements your existing major medical coverage with a comprehensive package employees actually use - at no additional cost to you.
100% of doctor visits covered in the MultiPlan PHCS network. Employee only. No copay, no deductible.
100% of urgent care visits covered in the MultiPlan PHCS network. Employee only. No surprise bills.
Virtual access to medical professionals around the clock. Covers employee plus entire family. Available in all 50 states.
Adult and women's preventive services covered as required by the Affordable Care Act. Employee only.
Over 250 prescriptions covered, most at $0 copay. Employee only. Includes generics and common maintenance medications.
Thousands of health articles and hundreds of Mayo Clinic videos available at your fingertips - anytime, anywhere.
Advanced monitoring, dark web alerts, real-time fraud notifications, anti-virus software, and full-service identity restoration. Employee only.
Wholesale rates on 2.5M+ hotels, 450K+ resort weeks, 18,000+ cruise itineraries, flights, cars, and tours. No blackout dates. Unlimited usage.
24/7 access to licensed vet professionals in all 50 states. Consultations and advice for your pets from the comfort of home - no waiting rooms.
70% of employees are more likely to stay loyal when satisfied with their benefits. ChoicePlans gives you a standout package at zero net cost.
Real Results Across Real Businesses
These are actual figures from the ChoicePlans program and the businesses enrolled in it.
See What Your Company Could Save
Every payroll run, IRS Section 125 permanently reduces the FICA taxes you owe. Enter your employee count below to see the numbers.
Disclaimer: This calculator provides a general estimate only and is intended for illustrative purposes. Actual savings vary based on participation rates, compensation levels, benefit election amounts, and plan-specific factors. Results are not a guarantee of savings, tax opinion, or legal advice.
Employer FICA savings are based on the 7.65% employer share applied to qualifying pre-tax benefit elections under IRS Section 125. ChoicePlans operates under Section 125 of the Internal Revenue Code. Consult your tax advisor or CPA. Eligibility requires W-2 employees enrolled in qualifying major medical insurance. Participation rate estimated at 70% of total W-2 employees.
Built For Every Business With W2 Employees
As long as you have W2 employees enrolled in qualifying major medical, ChoicePlans almost certainly applies to your business.
Businesses Already Saving With ChoicePlans
We have 38 employees and started saving over $41,000 per year. We were skeptical at first but the setup was painless and our employees love the benefit increase.
As a restaurant group with 200 staff, this was a no-brainer. The ChoicePlans team handled everything. We are saving $218,000 annually and our team did nothing but sign a few forms.
My accountant told me about Section 125 but never helped us implement it. ChoicePlans got us up and running in three weeks. The savings went straight to our bottom line.
Why ChoicePlans - Not Any Other Solution
We do not just consult - we implement, manage, and stand behind the results.
From plan documents to employee enrollment to annual compliance - we handle it so you never have to think about it.
500+ businesses enrolled across every major industry with consistent, verifiable savings results.
If you don't save, you don't pay. The program is structured around your actual results, not promises.
A real team that answers your questions and keeps your program optimized every single year.
Did You Know?
Section 125 Has Existed Since 1978
This IRS-approved tax strategy has been available to employers for nearly 50 years. Most businesses simply don't know it exists or how to implement it.
FICA Savings Are Permanent
Unlike one-time credits or deductions, the payroll tax savings from ChoicePlans recur every pay period for as long as employees participate.
Employees See It In Their Paycheck
Because taxable wages decrease, employees take home more money each pay period - improving retention and satisfaction at zero additional cost to you.
It Survives Any Tax Law Change
Section 125 is codified in federal law and has survived every major tax reform since the Reagan administration. It is not a loophole - it is the law.
Frequently Asked Questions
Ready To Claim Your
$1,097 Per Employee?
Book your free 15-minute discovery call. We will confirm your eligibility and calculate your exact savings - no obligation.