Expand benefits. Cut payroll taxes. Keep everyone happy.

Give your team a raise and modern virtual healthcare. Unlock stronger cash flow. Let the IRS help cover the cost.

Stayhealthy delivers an IRS-compliant benefits framework that returns an average of $639 per employee per year to your bottom line — a cost-neutral solution with measurable ROI from month one. Your employees keep more of their paycheck and gain comprehensive virtual medical care. You keep your current broker and policies in place and add real value to your team at no net cost.

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Average annual return

$639

per employee, per year

WHAT IT IS

Turn tax savings and supplemental benefits into a real competitive advantage.

The Stayhealthy Benefits Methodology is an IRS-compliant framework built on Section 105 and Section 125. We take core tax code provisions and transform them into a modern, scalable benefits solution engineered for businesses with 25 or more employees.

Tax Efficiency

Recover thousands per year through legitimate payroll tax reductions.

Compliance Simplified

Structured to meet IRS guidelines so your business is audit-ready from day one.

Modernized Benefits

Employees access supplemental coverage, virtual care, and preventative wellness resources at no added cost.

Healthier Teams. Smarter Business.

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HOW IT WORKS

From setup to savings in four steps.

A streamlined path from compliance to measurable ROI.

Setup and Compliance

We structure your plan under IRS Section 105 and 125 for full compliance from day one.

Payroll Integration

Pre-tax payroll deductions activate inside your existing payroll system and begin cutting your FICA tax liability immediately.

Employee Access

Your team plugs into concierge virtual care, supplemental coverage, and wellness resources.

Realize Savings and Retention

Your business captures recurring payroll tax savings of $639 per employee per year while employee loyalty and retention climb.

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WHY IT WORKS

Turn payroll tax savings into a retention strategy.

More than a benefits program. A growth strategy.

The Stayhealthy Benefits Methodology equips businesses to offer meaningful coverage including dental, vision, life insurance, and telehealth. We help you save money, stay compliant, and lift satisfaction by connecting you with trusted providers.

Cut Costs Without Cutting Corners

Save an average of $639 per employee per year through FICA tax reductions. Lower taxable payroll may also reduce your workers' compensation premiums.

Retain Top Talent

Offer no-cost supplemental benefits including accident, disability, and critical illness coverage. Better benefits lift satisfaction and loyalty across your workforce.

Simplify Compliance and Administration

Every implementation is structured to satisfy IRS Section 105 and 125 requirements. We handle onboarding, administration, and audit documentation so HR stays focused on people.

Drive Operational Productivity

Preventative care, mental health resources, and 24/7 telehealth reduce absenteeism and keep your team performing at full strength.

Rising healthcare costs hurting your bottom line? Stayhealthy layers in supplemental coverage and wellness benefits that lower costs and improve retention.

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HOW IT'S POSSIBLE

The IRS framework, explained in plain English.

Two well-established sections of the tax code do the heavy lifting.

IRS Section 105

Reimburse medical expenses, tax-free

Lets your business reimburse employees for qualified medical costs without those dollars counting as taxable wages — creating real, recurring tax savings on both sides.

IRS Section 125

Pre-tax payroll contributions

Provides the structure for employees to contribute to benefits before taxes are calculated — lowering taxable payroll and unlocking FICA savings for the employer.

How they work together

→ The Stayhealthy framework reduces taxable payroll while funding supplemental health benefits.
→ The wellness program layers in preventative care and 24/7 virtual care that improves health and productivity.
→ Together they form a compliant, cost-neutral solution that delivers measurable ROI — not just a benefit, but a business strategy.

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WELLNESS

The Stayhealthy Wellness Program.

Comprehensive wellness that empowers your workforce and multiplies the impact of the Benefits Methodology.

Reduce absenteeism. Improve health. Lift productivity. The Benefits Methodology and the Wellness Program form a single IRS-compliant strategy that saves money, supports employee well-being, and drives business results.

This isn't a program. It's a strategy. By pairing our tax-advantaged framework with comprehensive wellness resources, we deliver a benefits solution that is compliant, cost-effective, and genuinely impactful for employees and employers.

Why the Methodology makes sense for your business.

Tax Savings with Compliance Built In

Operates under IRS Sections 105 and 125. Audit-ready. Cuts payroll taxes by up to $639 per employee per year.

A Healthier, More Productive Workforce

Employees access no-cost supplemental benefits including accident, disability, and critical illness coverage, plus preventative care, stress management resources, and 24/7 telehealth. Real tools that reduce absenteeism and lower healthcare costs.

Smarter Retention

Comprehensive benefits make your business more competitive for top talent, reduce turnover costs, and keep your workforce engaged.

Turnkey Integration

Integrates seamlessly with your existing payroll and benefits stack. No added cost. No added burden on HR.

What makes this possible.

Section 105 in plain English

Permits employers to reimburse qualified medical expenses for employees on a tax-advantaged basis, creating real tax savings.

Section 125 in plain English

Provides the structure for pre-tax payroll contributions, reducing taxable payroll while funding a compliant benefit plan.

How it works together.

The Benefits Methodology reduces your taxable payroll while funding supplemental health coverage. The Wellness Program extends that coverage into preventative care and mental health resources. Together, they form a cost-neutral solution with measurable ROI.

A compliant, cost-neutral solution that delivers measurable ROI.

This isn't just a benefit. It's a strategy that transforms tax savings into real advantages for your company and your employees.

Learn How Stayhealthy Improves Employee Well-Being

PROOF

Real businesses. Real savings.

A few stories of companies saving money, expanding benefits, and lightening the load on HR.

Retail Store Chain

Midwest, USA

Retail Chain Saves Over $25,000 Annually

Challenge: A 40-employee retail business was bleeding cash to rising workers' compensation premiums and payroll tax expenses. Retention was slipping because their benefits lagged larger competitors.

Solution: Stayhealthy integrated the Benefits Methodology alongside their existing health coverage with minimal HR lift.

Results:

Saved $639 per employee per year on FICA taxes, totaling $25,560 annually
Reduced workers' compensation premiums by 20%, unlocking additional budget
Added new wellness benefits and guaranteed-issue life insurance
Lifted retention by 30% within six months

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Regional Manufacturing Plant

Southeast, USA

Manufacturing Plant Eliminates Compliance Risk and Saves $40,000

Challenge: The company faced ACA compliance gaps for part-time employees and risked significant penalties. The HR team was buried in benefits administration with no bandwidth for new initiatives.

Solution: We rolled out a seamless compliance solution including ACA-compliant Minimum Essential Coverage for part-time staff, paired with supplemental dental and vision.

Results:

$40,000 in combined payroll tax and workers' compensation savings
ACA compliance risk eliminated
Full implementation completed with under 5 hours of HR effort

Stayhealthy saved us time and money while keeping us fully compliant. It couldn't have been easier.

Accounting Firm

West Coast, USA

Accounting Firm Upgrades Benefits at No Net Cost

Challenge: A small accounting firm wanted enterprise-grade benefits to attract top talent on a tight budget and wanted zero disruption to existing coverage.

Solution: The Stayhealthy Wellness Program layered in supplemental benefits, guaranteed universal life insurance, and 24/7 wellness support on top of their existing health plan at no net cost.

Results:

Closed two senior hires within three months thanks to the upgraded benefits package
Improved employee satisfaction scores by 40% on internal surveys
Preserved the existing health insurance plan with zero disruption

Stayhealthy gave us big-company benefits on a small-business budget — measurable ROI with zero net cost. The team couldn't be happier.

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DO I QUALIFY

Is your business eligible for smarter benefits?

Find out in a few clicks whether the Stayhealthy Benefits Methodology is a fit.

The Methodology is built for US businesses with 25 or more employees. Use the eligibility checker to see how much you could save and which benefits your team can unlock. Take the first step toward thousands in payroll tax savings and a benefits package your employees will love.

LET'S TALK

Let's connect about smarter benefits for your business.

Our team is here to help you save money, stay compliant, and deliver a benefits package your employees will love.

Call Today

(888) XXX-XXXX

hello@stayhealthy.com

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