Employer Preventive Health & Tax Advantage Program
Reduce healthcare costs, lower payroll taxes, and improve employee wellbeing, one program, working on two fronts at once. It is designed to reduce payroll taxes and significantly lower employee healthcare claims, so companies can prevent costly medical claims before they happen, keeping more money in the business while employees get benefits they can actually use.
A layer on top of the health plan you already have, not a replacement
Your employees keep the healthcare plan they have today: Anthem, Blue Cross, whichever carrier you use. We don't change it. The Employer Preventive Health & Tax Advantage Program layers on top of that plan: employees get extended benefits on top of what they already have, and the company earns a payroll-tax advantage.
At Business Solutions Group, we help businesses implement wellness and healthcare programs that lower overall costs while improving employee health and satisfaction. By providing structured preventive benefits, companies can prevent costly medical claims before they happen, keeping more money in the business while offering employees valuable support. The program works on two fronts at once: certain payroll taxes, and the medical claims your plan has to absorb.
- No changes to your current healthcare plan or carrier
- Integrates with your existing payroll and benefits structure
- Designed to follow IRS regulations; we handle setup and compliance
- Adds employee benefits without adding employee cost
- Built for companies with 25 or more employees
It layers onto the payroll and benefits structure you already have
The program integrates with your existing payroll and benefits setup rather than replacing it. Five components do the work.
Employer-sponsored preventive health initiatives
Structured initiatives that encourage employees to use preventive care rather than waiting until a condition becomes expensive to treat.
Tax-advantaged medical rewards
A rewards program built inside an IRS-compliant healthcare structure, so participation carries a tax advantage as well as a health benefit.
Telemedicine access
Virtual care employees can reach with reduced or no copays.
Guaranteed-issue life insurance
Life insurance coverage employees receive without the usual underwriting hurdles, added to the benefits package at no cost to them.
Lifestyle and wellness resources
Health assessments, wellness coaching and lifestyle resources that support employees day to day, not only when something goes wrong.
Setup and compliance, managed
We manage the setup and compliance, ensuring the program follows IRS regulations while delivering both health and financial benefits.
The result: healthier employees, fewer claims, and measurable savings for your company.
Five ways the program shows up on your P&L
Two of these are direct cost reductions. The other three compound over time as the workforce gets healthier and turnover falls.
1. Reduce payroll taxes
The program provides IRS-compliant healthcare structures that reduce certain payroll taxes. Many businesses experience significant annual savings per employee, which offsets the cost of the program.
2. Lower employee healthcare claims
Preventive health programs and structured benefits lead to fewer employee medical claims. When employees use telemedicine, wellness coaching and preventive care programs, claims for expensive procedures drop, reducing overall healthcare spending. This is one of the biggest ways the program saves your company money, in addition to the tax savings.
3. Enhanced employee benefits without extra cost
You provide meaningful benefits: telemedicine and virtual care access, wellness coaching and health assessments, and life insurance coverage. Employees benefit from better health and reduced out-of-pocket expenses, while your company controls costs.
4. Healthier, more productive workforce
Preventive health programs improve employee attendance, productivity and engagement. Healthier employees mean fewer sick days and lower overall claims, contributing to long-term cost reduction.
5. Recruitment and retention advantages
Offering a robust preventive health program helps attract and retain talent. Employees see value in a workplace that invests in their health, which improves retention and reduces hiring costs.
Where each benefit lands in the business
Four benefits, four distinct lines of impact, two on cost, two on the people side that feed back into cost.
| Benefit | Impact on your business |
|---|---|
| Payroll tax savings | Lower FICA and payroll tax obligations |
| Reduced employee claims | Fewer costly medical claims through preventive care |
| Healthier workforce | Higher productivity and lower absenteeism |
| Employee retention | Lower turnover and hiring/training costs |
Combined, these benefits generate a measurable ROI for your business.
Designed for companies with 25 or more employees
These are the sectors the program is built for.
Professional services
Healthcare providers
Construction companies
Hospitality and restaurants
Retail businesses
Small and mid-sized companies
Why businesses choose Business Solutions Group
We make it simple to implement a preventive health program that saves money while improving employee health. You are not left to interpret the rules or sell the program to your own staff; we handle it.
- Program evaluation and savings analysis
- Compliance and implementation guidance
- Employee onboarding and education
- Ongoing support to ensure maximum cost savings
Fewer claims, lower taxes, and happier employees.
Frequently asked questions
No. Your employees keep the plan and carrier they already have, the program makes no changes to your current healthcare plan. It adds preventive components alongside it, preventive health initiatives, tax-advantaged medical rewards, telemedicine access, guaranteed-issue life insurance and wellness resources, rather than replacing what you offer today.
No. The program is designed to add benefits without extra cost. Employees get telemedicine and virtual care access with reduced or no copays, wellness coaching and health assessments, and life insurance coverage, so their out-of-pocket expenses go down, not up.
The program uses IRS-compliant healthcare structures that reduce certain payroll taxes, lowering FICA and payroll tax obligations. Many businesses experience significant annual savings per employee, which offsets the cost of the program. What that comes to in your case depends on your headcount, payroll and participation, which is what the free analysis estimates.
Business Solutions Group (BSG) and their approved licensed provider of choice handle compliance and implementation. BSG’s licensed provider manages the setup and compliance, so the program follows IRS regulations, and stay involved afterward. The licensed provider provides program evaluation and savings analysis up front, compliance and implementation guidance during rollout, employee onboarding and education, then ongoing support to make sure the savings hold.
The program is designed for companies with 25 or more employees. The free savings analysis will tell you what the numbers look like for your specific headcount and payroll.
This page describes a benefits program, not tax or legal advice. Payroll tax treatment depends on your specific circumstances, confirm the outcome with your own tax advisor before you rely on it.
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RelatedFind out what preventive health could save your business
A free analysis of your payroll tax savings, your projected claims reduction, and what implementation would look like with no obligation to engage.
Get your free savings analysis
Start with a free analysis; we'll quantify the reduced payroll taxes and lower employee claims for your headcount, at no cost and no obligation. We'll walk you through the details on a short call.
- Estimated payroll tax savings
- Projected reduction in employee claims
- Implementation plan tailored to your business