Section 125 Partner Network

Time To
Get Paid $

The program is built and the team does the heavy lifting. The network, the relationships, and the reputation are already there. Follow the steps below and they start paying.

$10
Partner pay / enrolled employee / mo
$617
Net the employer keeps / W-2 / yr
$0
Cost to the employer or employees
Start Here

Watch First, Then Five Steps.

Watch the demo first, then work the five steps. Here is the model: you do the outreach and pitch the program, you spark the interest, and once a prospect wants in you pass it to us to close. You are the one in front of the prospect. We handle the call once they are interested, plus all the numbers, paperwork, payroll, and enrollment.

This is the only video you need. Watch it once to learn the program, then send this same link to every prospect: startchoiceplans.com/demo

New Here? Start With This
Book a Partner Call.
Once you have watched the demo, book a call with our team to get set up and get moving. This is your call with us, the ChoicePlans team. It is not an employer call - that is a separate thing your businesses do later, through your own link.
Book a Partner Call
1
Sign Up (One Time, 5 Minutes)
Do these three things once. After this you are set up to get paid on every business you bring.

1. Sign your partner agreement. This is handled with you on your call, once you are qualified.
2. Fill out your W-9. This is how we pay you: Download the W-9
3. Open the portal, upload your W-9, and add your bank: Open the portal
2
Make a List of 3 to 5 Businesses
Write down 3 to 5 businesses you can talk to. Pick people who already trust you.

A business qualifies if it has 25 or more W-2 employees and offers health insurance to those employees. That is the only rule.
3
Make Their Savings Report
Open the calculator. Type in the business's number of employees, their average pay, and how often they run payroll. Click the button and download the PDF. This report shows exactly how much money they save.

Open the calculator
4
Reach Out and Pitch
This part is on you. Email, text, or call each business. Send them their savings report and the demo video. Use the ready-made messages further down this page - just copy, paste, and send. Your goal: get them to say they want to learn more.

Demo to send: startchoiceplans.com/demo
5
Send Them to Us
After you pitch, the business does one of two things. If they have seen the report and demo and want to proceed, submit the deal. If they want another call with our team first, send them your link to book an employer discovery call. Either way the account is credited to you and you earn $10 per employee every month they stay enrolled. Pick the right option below.
Send Them to Us - Pick the Right One
1
Submit the Deal Ideal
Use this when the business has seen the savings report, watched the demo, and wants to proceed. This is the goal.
Submit the Deal
2
Book an Employer Call
This is your business talking to our team, not you. Use it only when a business has already seen the report and demo and still wants a call before deciding. Send them your personal link so they book it. They are already pitched, so the call is short.
Find Your Link
3
Email an Intro
Or just email both of us the business name and contact. We follow up.
Email Carl and Allie
Who Qualifies - Keep It Simple

US businesses with 25 or more W-2 employees that offer major medical or health insurance to their W-2 employees. Nothing else matters - not the industry, not whether the plan is self-funded, not who the carrier is.

  • Yes: a 40-person restaurant group that offers a Blue Cross plan.
  • Yes: a 120-employee manufacturer that self-funds its health plan.
  • No: a sole proprietor with no W-2 employees.
  • No: a business with W-2 staff but no health insurance offered.
The Only Numbers You Need to Know
  • $617 - what the employer keeps, per W-2 employee, every year, at zero net cost.
  • $1,200 - extra take-home pay per employee, per year, with no change to gross salary.
  • $10 - what you earn per enrolled employee, per month, for the life of the account.
  • 25 - the fewest W-2 employees an employer needs to qualify.
  • 0 - what it costs the employer, the employees, and you.
Who Does What - Be Clear on This

You own the deal start to finish. These are your relationships. You find the businesses, you reach out, you pitch with the savings report and demo, and you get them to a yes. We do not give you leads or a list, and we do not cold-call anyone.

We back you up and handle the rest. If a business wants a call, our team runs it. Once a business is ready, you submit the deal and we handle every form, compliance filing, payroll integration, and enrollment. You stay the trusted contact and you collect every month.

We do not do your outreach. You bring the deal and do the front-leg work. We will not cold-outreach or email your prospects for you. You can CC us on a thread and we will jump in to answer questions or help close, but we do not do the part that is yours. We close when you need us.

Your Personal Link

When you sign, you get your own link. Use it when a business wants a call with our team: send them the link, they click Book a Free Discovery Call, and our team takes it from there. The business is credited to you automatically. You find your link in your portal.

https://startchoiceplans.com/?am_id=partnername123

If a business is already ready to proceed, you do not need the link - just submit the deal.

The Employee Experience

What Employees Get.

Beyond the take-home bump, every enrolled employee gets the app - telemedicine, $0 doctor visits, prescriptions, face-scan health screening, and more, right in their pocket. Show this to give employers a feel for the employee experience.

01Unlimited Primary Care
$0 Copay
02Urgent Care Visits
$0 Copay
0324/7 Telemedicine
$0 Copay
04100% Preventive Care
$0 Copay
05Prescription Coverage
$0 - $3
06Mayo Clinic Health Library
Included
07Identity Theft Protection
$1M Coverage
08Wholesale Travel Club
Emp + Family
09Veterinary Telemedicine
Emp + Family
10Bloodless Labs / Face-Scan Vitals
30+ Vitals

Built on the MultiPlan PHCS Network - 1.4M+ providers, 5,600 hospitals, all 50 states.

How to Refer

Lead With the Angle That Fits.

These are warm relationships that already trust your judgment, which makes this a layup. Everything needed to speak to it confidently is on this page. There is no single script. Read the person across the table and lead with the angle that hits their pain point - the money, the take-home raise, the free benefits, or the ERC comparison for anyone who has been through it. They are all true at the same time.

The Money
"It puts a net $617 back per W-2 employee, every year - at zero net cost. Recurring on every payroll run, not a one-time event."
The Raise
"Every employee takes home about $1,200 more a year - a raise without giving a raise. Same gross salary, lower taxes withheld."
The Added Benefits
"On top of it, employees get 10+ real benefits at zero extra cost - $0 telemedicine, $0 doctor visits, $0-$3 prescriptions, face-scan screening, and more."
The ERC Comparison
"Remember the ERC? Same idea - except the money comes back every pay period, forever, not a one-time check. Great for anyone who has filed for one before."
Win - Win - Win

However the conversation opens, this is the close: nobody pays a dime out of pocket. The employer keeps more, employees take home more, the existing health plan does not change, and it costs neither side anything. It is a no-brainer.

Send Them to Us.

When the business has seen the report and demo and wants to proceed, submit the deal - this is the goal. If they want another call with our team first, send your link so they can book an employer discovery call. Or email an intro. The account credits to you and stays yours for the life of the file.

When They Are Ready
Submit the Deal.
If the business wants to proceed, submit the deal - the best path. If they want another call with our team first, send your link so they can book an employer discovery call. Or email an intro to [email protected] and [email protected].
Positioning

How to Position This.

Lead with the net number the employer keeps - $617 per W-2 employee, every year. The relationship and the trust already built are the most powerful assets in the room. Here is what the employer keeps at their size:

Employer SizeNet / YearNet Over 5 Years
50 employees$30,850$154,250
100 employees$61,700$308,500
250 employees$154,250$771,250
500 employees$308,500$1,542,500
1,000 employees$617,000$3,085,000
Send to Employers

Sales Materials.

Nothing closes like a real number. Run a lead through the calculator and drop the flyer in an email - whatever the moment calls for.

The Closer
Run Their Numbers. Send the Report.
Plug in a lead W-2 count, average salary, and pay frequency and the calculator generates their exact savings - employer net, employee take-home, and 5-year totals. Download the PDF summary and send it straight to the lead. A specific dollar amount is the closest thing to a closing document.
Open Calculator
One-Pager
Employer Flyer
The quick overview for a first touch - the savings, the benefits, and why it is the smart choice. Easy to attach or print.
View Download
Copy and Send

The Outreach Arsenal.

These are people who already trust you, so keep it personal and lead with the dollar figure. Pick the channel that fits the contact, swap in their name, and adjust the opener so it sounds like you. Each one leads with a different angle. When a business is ready to move forward, submit the deal, or send your personal link so they can book a discovery call, or email an intro to [email protected] and [email protected].

These Are Yours to Send

You send these. We do not do outreach for you and we do not email your prospects on your behalf. You can CC us on a thread and we will jump in to answer questions or help close, but the front-leg work is yours. Bring the deal, we close when you need us.

Email - CEO, President, or Owner (The Money)
Subject: a net $617 per employee, every year
[First name], I came across something that puts real money back into [Employer name], and I thought of you. It is a Section 125 structure that returns a net $617 per W-2 employee every year, at zero net cost. It recurs on every payroll run, sits on top of the current health plan with no changes, and most employees take home about $1,200 more a year with no change to gross salary. For a team your size that is real money. I already pulled the exact number for [Employer name]. I can send it over or walk you through it, whichever is easier. [Your name]
Email - Owner With Hourly Staff (The Raise)
Subject: give the team a raise without giving a raise
[First name], Quick one for [Employer name]. There is a Section 125 structure that puts about $1,200 more a year into each employee take-home pay, a raise without giving a raise, with no change to gross salary. On top of that, every employee picks up more than 10 benefits at no added cost: $0 telemedicine, $0 doctor visits, $0 to $3 prescriptions, and more. It also returns a net $617 per W-2 employee to the business, at zero net cost. For an hourly team it is a real retention and morale win. I have the exact numbers for [Employer name] ready to send. Say the word. [Your name]
LinkedIn Message (The Added Benefits)
Short, casual, professional
[First name], I work with the group that sets up a Section 125 structure for employers, and [Employer name] looks like a strong fit. It returns a net $617 per W-2 employee every year at zero net cost. Employees take home about $1,200 more and pick up more than 10 benefits at no added cost: telemedicine, $0 doctor visits, prescriptions, and more. The current health plan does not change. Happy to send you the exact number for your team.
Text / SMS (Win-Win-Win)
Keep it under three lines
[First name], it is [Your name]. Ran into something that fits [Employer name]. A Section 125 program that returns a net $617 per W-2 employee to the business every year at zero net cost, recurring every pay period. Employees take home about $1,200 more and get added benefits at no cost. Nobody pays out of pocket. I have your exact number ready when you want it.
Phone / In-Person Script
Talking points, not a word-for-word read
OPEN "I came across something that saves [Employer name] real money on payroll taxes, and I thought of you." THE HOOK "It is a Section 125 structure that returns a net $617 per W-2 employee, every year, at zero net cost. It recurs every pay period, sits on top of your current plan with no changes, and most of your team takes home about $1,200 more a year, plus more than 10 benefits at no added cost." OPTIONAL - IF THEY FILED THE ERC "Think of it like the ERC, except the money comes back every pay period for the life of the plan, not a one-time check." IF THEY ASK IS IT LEGIT "Same section of the tax code as a 401(k) or FSA. Federal law since 1978, used by Fortune 500 companies daily. The setup takes a specialized administrator, which is what the group I work with handles, in all 50 states, live in under 30 days." THE CLOSE "I already have your exact number. Let me get it in front of you, and if it makes sense the team will walk you and your CPA through it live."
Power Paragraphs - Drop Into Any Email

Add one based on what is known about the prospect.

If cost-conscious about 2026 renewals
Employer health premiums are projected to rise 9% in 2026, and family coverage is up 43% over the past decade. For a 100-employee business that next renewal can mean roughly $180K in added cost. This overlays the existing major medical with no disruption to the current carrier, and diverting routine care through the platform helps offset what hits the plan.
If they have hourly or shift workers
For hourly and shift employees, this puts real money back in their paycheck every period. A typical participant takes home about $1,200 more a year, roughly $100 a month, with no change to gross salary.
If their CPA or CFO will be in the room
Section 125 is the same section of the tax code as a 401(k) or FSA, federal law since 1978, used by Fortune 500 companies daily. This is a standard benefit structure, not an aggressive tax position. If the CPA or CFO wants the plan documents and formal legal opinion letter, the team can have those in their hands the same day.
If they are 100 or more employees
At 100 employees this keeps roughly $61,700 net in the business every year, and about $308,500 over five years - before any wage growth or headcount expansion. The team can run the exact numbers before any commitment.
When They Are Ready
Submit the Deal.
When the business wants to proceed, submit the deal. If they want another call with our team first, send them your personal link to book an employer discovery call. Or email an intro to [email protected] and [email protected].
Run the Number First

A specific dollar amount is the closest thing to a closing document. Run the lead through the calculator at startchoiceplans.com/calculator - W-2 count, average salary, pay frequency - and download the PDF summary. Forward it as a follow-up or bring it to the meeting as the number that closes the conversation.

Compensation

What a Referral Generates.

$10 per enrolled W-2 employee per month via direct deposit. No cap, no invoice. Income continues for the life of every account. Based on 70% participation:

Employer SizeMonthlyAnnual
25 employees$250$3,000
50 employees$500$6,000
100 employees$1,000$12,000
200 employees$2,000$24,000
500 employees$5,000$60,000
1,000 employees$10,000$120,000
Partner FAQ

Your Questions, Answered.

Read this before you reach out. It answers almost everything partners ask.

What do I actually do?
You pick businesses that qualify, reach out, and pitch them with the savings report and the demo. When a business wants to proceed, you submit the deal and we handle the paperwork. If a business wants a call with our team first, you send them your link. You own the relationship the whole way.
Partner Call vs Employer Call - what is the difference?
Two different calls. A Partner Call is you and our team: you watch the demo, then book a Partner Call to get set up, get your questions answered, and start working your list. An Employer Call is one of your businesses and our team: when a business you have pitched wants to talk before deciding, they book it through your personal link. Partner Call is you and us. Employer Call is your business and us. You book the first one; your business books the second.
Do I get a company email address?
Yes, but only after you enroll your first company.
Do I get a dedicated phone number?
Not right away. You can get one after you enroll your first company. The cost is deducted from your commissions.
Do I get a CRM or an email account to use?
No. You use your own phone, email, and contacts to do outreach. A company email address comes only after your first enrolled account.
How and when do I get paid?
$10 per enrolled W-2 employee, per month, for the life of the account. Paid by direct deposit on a Net-30 schedule, no invoicing. A 100-employee account at 70% participation is about $700 a month, every month it stays active.
Can I build a team and earn on what they produce?
Yes. You can bring on other people and earn a 25% override on top of what they produce, for the life of those accounts. The catch is that they have to produce. Everyone you bring on has to work their own immediate businesses and actually get employers enrolled, the same way you do. This is not a downline of names or sign-ups, and there is no pay for recruiting. The override is paid only on real enrolled accounts your people close.
Do I need a license to do this?
No. You are making introductions and pitching a payroll tax benefit, not selling insurance. No license required.
Do I have to close the deal myself?
Yes. These are your relationships and you own the deal. The business must already be engaged by you - not weak leads handed to us. When they are ready to proceed, you submit the deal. If they want a call with our team first, we run it. Either way we handle all the paperwork, payroll, and enrollment.
Do you give me leads or a list?
No. You bring companies you have already engaged yourself. We do not hand out leads or lists, and the team does not cold-call your contacts.
Will you do the outreach or email my prospects for me?
No. You bring the deal and do the front-leg work: the outreach, the pitch, and the relationship. We will not do cold outreach on your behalf and we will not email your prospects for you. You can CC us on an email and we will respond, but we do not do the part that is yours. We close when you need us, we do not replace you.
Which employers qualify?
US businesses with 25 or more W-2 employees that offer major medical or health insurance to their W-2 employees. The industry does not matter, and it does not matter whether the plan is self-funded.
What do I send a prospect?
Two things: the savings report you generate on the calculator, and the demo link at startchoiceplans.com/demo. The report is their exact number and the demo explains the program. That is your whole pitch.
How do I make sure I get credit for an account?
Submit the deal through the form, have the business book a call through your personal link, or email the intro to [email protected] and [email protected] with your name on it. Any of these credits the account to you and it stays yours for the life of the account.
How long until I start earning on an account?
Once you pass a prospect over, most accounts go live in under 30 days. Your commission begins the first month employees are enrolled and continues every month after.
What do I do if a prospect asks something I cannot answer?
Route it to the team. Tax projections, compliance questions, plan administrator questions, program terms - send those straight to us and we handle them. You never have to be the expert.
Do I get marketing materials?
Yes, everything you need is on this page: the demo, the calculator, the savings report, the flyer, and ready-to-send email, text, LinkedIn, and phone scripts. We do not provide printed materials like business cards or brochures. Everything needed to sell is here and ready to send. Once you have produced and brought in revenue, we can talk about printed materials.
Is there a cost to me, the employer, or the employees?
No. There is no cost to sign up, and no net cost to the employer or their employees. The supplemental benefits are paid for out of the payroll tax savings the program creates, so they come at no added cost to anyone.
Client FAQ

The Questions Employers Will Ask.

What does it actually cost?
Zero net. The admin fee comes out of the FICA savings, so it is mathematically impossible to cost the employer money. Per employee per month: about $91.42 in FICA savings, minus the $40 admin fee, leaves the employer net positive by about $51.42. Day one, payroll run one, the business is ahead.
Is this legitimate?
Section 125 cafeteria plans have been federal law since 1978 - the same section of the tax code as a 401(k) or FSA, used by Fortune 500 companies daily. The reason most small and mid-size employers have not had access is that proper plan administration, documentation, and payroll integration require a specialized administrator. The team connects employers with licensed administrators in all 50 states and manages the full setup.
Is this insurance?
No. This is a Section 125 cafeteria plan, a tax structure that sits on top of the existing health plan. It is not insurance and it does not replace any coverage. The existing major medical stays exactly as it is.
How is the savings calculated?
A portion of each participating employee compensation is reclassified as a pre-tax benefit contribution, shrinking the taxable wage base. FICA is 7.65 percent on both sides. The gross payroll tax reduction is about $1,097 per W-2 employee per year. After the $480 annual admin fee, the employer keeps a net $617 per employee, every year. Employee take-home rises by about $1,200 a year on average, since their taxable wages drop too.
Does this change our health plan?
No. It sits on top of the existing major medical coverage - same carrier, same network, same doctors. It is not a replacement. It overlays what is already in place.
We already have a POP, HSA, or a Section 125 plan.
Good, that is the foundation. Most of those are a Premium Only Plan, which only pre-taxes insurance premiums. It does not create the added FICA savings or the paycheck credit this produces. This is a full Section 125 layer that stacks on top of what you already have. A quick tell: if there is no credit line on your employees paystubs, you are leaving the bigger savings on the table. We will show you the exact difference on the call.
What do employees give up?
Nothing. Gross pay does not change, take-home goes up by about $1,200 a year, and existing coverage is untouched. On top of that they receive 10 supplemental benefits at no added cost: $0 telemedicine, $0 primary and urgent care, $0-$3 prescriptions, 100% preventive care, identity theft protection, a travel club, veterinary telemedicine, the Mayo Clinic health library, and face-scan health screening. 70%+ opt in on the first offer.
Which payroll systems work with it?
All of them - ADP, Paychex, Gusto, QuickBooks, Rippling, Paycom, Paylocity, and every other. Same workflow, same screens, no migration. No impact to 401(k), workers comp, or unemployment insurance.
What if our CPA or CFO pushes back?
Do not argue tax law. Say: "I completely understand the caution. Would it help if the team sent over the plan documents and the formal legal opinion letter so your CPA can review the actual structure?" The team can have those in their hands the same day. Most CPAs get comfortable once they see the difference between this and the cash-for-wellness schemes the IRS shut down in 2023.
How fast can we go live?
Under 30 days. Three steps: sign the agreement, schedule a 30-minute payroll kickoff, and the team drives the rest. FICA savings begin the first payroll cycle after enrollment.
Operations

We Do the Work. Partners Earn.

Our Team Handles
  • The closing call and live savings presentation for interested prospects
  • Employer eligibility analysis and exact savings projections
  • Plan documentation and IRS compliance
  • ERISA, ACA, HIPAA, and non-discrimination testing
  • Payroll integration with the existing system
  • Employee enrollment and ongoing account management
The Partner Does
  • Picking employers that qualify
  • Doing the outreach and pitching the program
  • Sending the savings report and demo to spark interest
  • Passing interested prospects to the team to close
Route These to the Team
  • Tax projections and formal savings calculations
  • Plan administrator questions, program terms or fees
  • Compliance and audit questions
Employer Journey

What Employers Experience.

After you submit a warm business, the employer goes through a simple, professional process from first contact to active plan.

1
Intake Form
Two-minute eligibility form. Basic questions about W-2 count and group health coverage. No commitment required.
2
Discovery Call Scheduled
The team contacts the employer to schedule a 15-minute call. No back-and-forth. The employer knows exactly what to expect.
3
Personalized Savings Analysis
The team runs the exact numbers live - net employer savings, employee take-home, and 5-year totals - before any decision.
4
Sign the Agreement
Standard onboarding paperwork, reviewable on the call. No out-of-pocket cost. No changes to the existing health plan.
5
Payroll Integration and Enrollment
A 30-minute payroll kickoff, then the team drives the rest. Live in under 30 days. Employees see the benefit in their next paycheck.
6
Plan Active
FICA savings begin the first payroll cycle after enrollment. The partner begins earning $10 per enrolled W-2 employee that month and every month following.

Start Earning.

Everything you need is on this page. Watch the demo, then book a Partner Call with our team to get set up and turn the relationships you have built for years into income.

Book a Partner Call Already active? Log in at portal.startchoiceplans.com. Questions? Call or text (866) 961-5211