What is it?
- A cost-saving, IRS-compliant Health Benefit Program for Employers and Employees.
- It provides comprehensive preventative care to employees at NO NET COST to employers.
- It reduces payroll taxes for employers while enhancing employee benefits.
- It must be paired with an ACA-approved group health plan.
- The employer must have at least 10 full-time (30+ hours per week) employees to qualify.
- It is 100% compliant with IRS, HIPPA, and ERISA regulations.
How Does it Work?
- By implementing EHP, you can reduce your taxable payroll base, directly giving you employer FICA tax savings.
- On average, employers save $639 per employee annually —achieved with no disruption to your current payroll or benefits system.
- Employer Enrolls: Get started with a 30 minute presentation with an expert.
- Effortless Integration: Seamlessly incorporate EHP into your existing benefits package with a simple, step-by-step implementation process.
- Receive ongoing support to ensure a smooth experience for your team.
- Employees Benefit: Tax-advantaged benefits with no impact on take-home pay.
- Employer Saves: Reduces payroll taxes and enhances employee retention.
Access exclusive benefits
- Free Prescription Plan and 24/7 Telemedicine
- Critical Illness & Cancer Coverage
- Dental and Vision Plans
- Short-Term Disability
- Hospital & Accident Plans
- Life Insurance
- Mental Health Resources
- Wellness programs through Revive Health, featuring a Free RX Plan for reduced prescription costs.
Employers with fewer than 50 full-time employees are not required to offer health insurance under the ACA, but they can choose to offer it voluntarily.
Two Main Options:
SHOP Marketplace Plans (Small Business Health Options Program)
- Designed for small businesses with 1–50 full-time employees
- Offers group health and dental plans
- Businesses may qualify for the Small Business Health Care Tax Credit if:
- They have fewer than 25 full-time equivalent (FTE) employees
- Pay average wages below $62,000/year (adjusted yearly)
- Pay at least 50% of employee premium costs
- Employers can enroll in SHOP coverage any time — there’s no set Open Enrollment Period.
QSEHRA (Qualified Small Employer HRA)
- Allows small employers to reimburse employees tax-free for individual health insurance premiums and medical expenses
- Great option if:
- You don’t want to manage a group plan
- You want to give employees flexibility to choose their own ACA plan
- You must not offer a group health plan if you offer a QSEHRA.
Even One Employee?
Yes — an employer with just 1 full-time W-2 employee (who is not the owner or a spouse/family member of the owner) may be eligible for a small group plan.
