Is There a New Way to Provide Employee Benefits at Zero Cost to Your Business?

In today’s competitive job market, offering strong employee benefits is essential for attracting and retaining talent—but it often comes with a hefty price tag for employers. What if there was a way to add valuable coverage without increasing your budget? There are ways to leverage tax codes expanded by the Affordable Care Act (ACA) in 2013 to do exactly that: help businesses provide much-needed health and wellness benefits to their workforce at no net cost to the company.

How Does This “New” Approach Work? It’s not entirely brand new—the foundation comes from long-standing IRS rules like Section 125 Cafeteria Plans and Section 105 Medical Reimbursement Plans—but the ACA opened the door wider for innovative programs like Self-Insured Medical Reimbursement Plan (SIMRP).Here’s the simple mechanism:

• Employees opt into a compliant pre-tax deduction (similar to your existing health insurance or 401(k) contributions).
• This lowers their taxable wages, reducing their FICA taxes (Social Security + Medicare).
• You, as the employer, save the matching FICA portion—typically around $640 net per participating employee per year after a small admin fee.
• Those combined tax savings fund access to Revive Health: an all-in-one virtual care platform with unlimited primary/urgent care, mental health support, over 1,000 free medications (home-delivered), and family coverage—no copays or deductibles.

The result?

• Zero net cost to your business (the program pays for itself).
• Zero net cost to employees (most actually see higher take-home pay).
• Powerful new benefits that redirect everyday care away from your main insurance plan, often cutting claims by 10–20% and slowing premium increases.

Why Is This Gaining Traction Now? Thousands of employees are already enrolled nationwide—including entire municipalities and a state with over 50,000 workers. With healthcare costs still rising and talent wars intensifying, forward-thinking companies are using these ACA-enhanced tax strategies to stay ahead without stretching budgets. It’s compliant, vetted, and seamless to implement.

Ready to explore if this could work for your team?Click below for a no-obligation discovery call and see your potential savings.

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