Section 125 Preventive Care Management

Stop Gifting the IRS $600 Per Employee Every Year.

Increase every employee's take-home pay by an average of $2,464/year — with no out-of-pocket cost to you or your staff.

HIPAA Compliant IRS Codes 125, 105, 106 & 213 Legal Protection Plan Included No Existing Insurance Changes
Run Your Numbers
What's Your Company Leaving on the Table?

Move the sliders. See the real number in under 10 seconds.

Number of Employees 50
1500
Average Monthly Employee Gross $5,000
$2,000$15,000
Employer Saves / Year
$30,000
In payroll tax
Employee Gets / Month
$205
More take-home
Why Everyone Engages
Both Sides Win. Nobody Pays More.

That's why this gets adopted. Employers want it. Employees want it. The IRS code makes it legal.

🏢 For the Employer

  • Average $600 per employee annually in payroll tax savings
  • Proactively reaches employees with highest medical claims — lowers long-term risk
  • Fully HIPAA-compliant from day one
  • Backed by a Legal Protection Plan — IRS audit support included
  • Zero out-of-pocket implementation cost
  • Works alongside your existing benefits — nothing changes

👤 For the Employee

  • Average $2,464 more take-home pay per year
  • Access to Living 2.0 Bundle from day one
  • 24/7 Telemedicine — doctor on call, no co-pay
  • Personal Health Coaching for chronic condition management
  • Identity Theft Protection included
  • Zero out-of-pocket cost to participate
Transparency & Compliance
How It Actually Works

Three steps. No complexity on your end. We handle the mechanics.

1

Reclassify a portion of the premium using IRS code §125 §105 §106 §213

Eligible pre-tax dollars are reclassified from wages to benefits — legally reducing the taxable payroll base for both you and your employees. No change to your existing health plan.

2

Employees manage tasks via the Personal Health Dashboard (PHD)

Monthly newsletter check-ins, HRA submissions, and health app engagement. Employees spend about 10 minutes a month. In return, they get more take-home and access to the Living 2.0 Bundle.

3

Tax savings generated cover the cost of the plan — creating a surplus for both parties

The plan is self-funding. The tax reduction pays for itself and then some. Most companies see net positive cash flow from day one of implementation.

By the Numbers
What Companies Actually See
$600/yr
Average employer savings per employee in payroll tax
"We have 87 employees. That's over $52,000 a year we were leaving on the table."
— Operations Director, distribution company
$2,464/yr
Average employee take-home increase per year
"My employees got a raise and I didn't have to cut into my margins to give it to them."
— CEO, regional services firm
$0
Out-of-pocket cost to implement or participate
"When someone tells you it costs nothing and saves money, you assume there's a catch. There wasn't."
— HR Manager, 200-person company

Request Your Customized Feasibility Study

We'll model your exact savings based on your headcount, payroll, and current setup. Free. No commitment.

Level Five Health Plus supplements your existing insurance — it does not replace it.
Your information is never sold. HIPAA-compliant handling only.