IRS Section 125
Federal law since 1978
IRS Section 125 - Federal Law Since 1978
Receive $1,097 Per W-2 Employee.
ChoicePlans uses IRS Section 125 to permanently reduce payroll taxes for any employer with W-2 employees. Zero cost to implement. Nothing changes. Savings start on the next payroll run.
Zero Net Cost
IRS Approved
Done For You
Live in 30 Days
Click On Video To See How It Works
Free Webinar
500+ Employers Enrolled
All 50 states active
Zero Net Cost
Program pays for itself
Live in 30 Days
Fully managed setup
The Opportunity
Employers Are Overpaying Payroll Tax on Every Single Run.
Every payroll cycle, FICA taxes are calculated on the full wage amount. IRS Section 125 legally reduces the taxable wage base - permanently. The employer pays less. Every employee takes home more. Nothing changes operationally.
- No cost to implement - the savings generated cover all program fees
- Existing benefits stay exactly the same - same carrier, network, doctors
- Works with any payroll provider - no system changes required
- Savings recur every payroll run - not a one-time credit or deduction
For the Employer
Net per W-2 employee / every year+$617
Recurring on every payroll run. No upfront fees. No changes to headcount, benefits, or operations. Savings begin on the first run after enrollment.
For Every Employee
Average annual take-home pay increase+$1,200
Same gross pay. Lower taxes withheld. A raise without changing a single salary. Over 70% of employees opt in because their paycheck increases immediately.
3 Steps to Start
Simple to Start. We Handle the Rest.
From signed paperwork to active savings in under 30 days. All plan documents, compliance filings, employee enrollment, and payroll integration are handled by our licensed third-party administrator. Nothing falls on the employer team.
01
Submit Employer Information
A simple intake form that takes about 10 minutes. Confirms headcount, existing benefits, and payroll provider. This is the full extent of what the employer team does to get started.
02
We Handle Setup
Our team manages plan documents, ERISA and ACA filings, employee enrollment communications, and full payroll system integration. No action required after the intake form.
03
Savings Begin
The program activates on the next payroll run. The employer immediately retains taxes previously being overpaid. Savings recur automatically on every run after that.
Backed by a licensed TPA. ERISA, ACA, and non-discrimination testing managed on behalf of every enrolled employer. Compatible with ADP, Paychex, Gusto, QuickBooks, Rippling, and all others.
Why It Works
The Advantages. For Everyone.
ChoicePlans wins on both sides of payroll. Employers reduce what they owe in taxes. Employees take home more on every check. Neither party changes a thing operationally.
For Employers
Up to $1,097 in FICA Savings Per W-2 Employee
- Positive ROI From Day One
- No Changes to Existing Operations
- No Impact on 401k or Workers Comp
- Recurring Savings on Every Payroll Run
- Fully Managed Implementation
For Employees
$100+ More Per Month in Take-Home Pay
- 10 Supplemental Benefits Included
- Existing Coverage Stays Untouched
- Higher Retention and Satisfaction
At Your Scale
What This Looks Like For the Business.
Based on $617 net per enrolled W-2 employee per year. These savings are not a one-time credit - they recur on every payroll run, compounding year after year. These savings are not a one-time credit - they recur on every payroll run, compounding year after year.
All Compliance Handled
ERISA, ACA, and non-discrimination testing managed by our licensed TPA.
Any Payroll Provider
ADP, Paychex, Gusto, QuickBooks, Rippling, and any other system. No changes required.
Live in Under 30 Days
From signed paperwork to first payroll savings in under a month.
What Employees Receive
10 Benefits. At No Extra Cost.
The IRS requires a qualifying benefit to unlock Section 125 savings. ChoicePlans wraps that into a package employees actually value - at no additional cost to the employer and with no replacement of existing coverage.
MultiPlan PHCS Network - 1.4 million+ providers, 5,600 hospitals, all 50 states. Largest independent healthcare network in the United States.
Unlimited Primary Care
100% of in-network primary care visits covered. No deductible, no copay on the visit fee. Employee only.
Urgent Care Visits
100% of urgent care visit fees covered in-network through the PHCS network. No surprise bills.
Telemedicine 24/7
Round-the-clock virtual access to licensed medical professionals. Covers employee and entire household in all 50 states.
100% Preventive Care
All ACA-mandated preventive services fully covered. Adult and women services included. Employee only.
Prescription Coverage
250+ prescriptions covered at near-zero cost across 60,000+ member pharmacies nationwide.
Health Information Library
Thousands of articles and hundreds of Mayo Clinic videos accessible on any device.
Identity Theft Protection
Dark web monitoring, real-time fraud alerts, anti-virus software, and full US-based identity restoration services.
Wholesale Travel Club
Wholesale access to 2.5M+ hotels, 18,000+ cruise itineraries, flights, and car rentals. No blackout dates.
Veterinary Telemedicine
24/7 licensed vet access in all 50 states. No copay, no waiting rooms, no appointments needed.
Talent Retention Value
70% of employees report higher retention likelihood when satisfied with benefits. This package adds zero cost to the employer.
Who Qualifies
Works for Any Industry. Two Requirements.
W-2 employees on payroll. Qualifying group major medical in place. That is it. Every industry qualifies as long as both boxes are checked.
Restaurants and HospitalityRestaurants, hotels, catering, bars, event venues, resorts
Healthcare and MedicalPractices, dental, home health, urgent care, therapy, nursing
Construction and TradesContractors, electrical, plumbing, HVAC, roofing, landscaping
Retail and CommerceGrocery, auto dealers, pharmacies, hardware, clothing stores
Staffing and ProfessionalStaffing, law firms, accounting, consulting, marketing
ManufacturingFood processing, metal fab, packaging, textiles, auto
Logistics and TransportTrucking, warehousing, courier, moving, distribution
Education and ChildcarePrivate schools, daycare, trade schools, tutoring
Technology and ITSoftware, MSPs, SaaS, cybersecurity, data centers
Personal ServicesSalons, spas, gyms, cleaning, security, barbershops
Agriculture, Energy, Media + MoreW-2 employees on payroll? Almost certainly qualifies.
The free webinar explains the two core criteria - W-2 employees and qualifying major medical in place - and shows the next step for confirming eligibility and exact savings.
Client Results
Employers Already Saving.
★★★★★
38 employees, saving over $23,000 a year. We were skeptical at first. Setup was painless and employees love the pay increase on every check.
Michael R.
Owner, Distribution Company - Ohio
★★★★★
Restaurant group with 200 staff. ChoicePlans handled everything. Saving $123,000 annually. Our team signed a few forms and that was it.
Sandra T.
CFO, Restaurant Group - Texas
★★★★★
My accountant mentioned Section 125 but never helped implement it. ChoicePlans was live in three weeks. Savings went straight to the bottom line.
David K.
President, Staffing Agency - Florida
★★★★★
We have 115 employees across three locations. ChoicePlans set everything up in under a month. We are saving over $70,000 a year and our employees are seeing bigger paychecks.
James W.
CEO, Multi-Location Healthcare Group - Georgia
★★★★★
As a construction company with seasonal fluctuations, I was worried this would be complicated. It was not. ChoicePlans integrated with our ADP payroll and we have not touched it since.
Robert L.
Owner, General Contractor - Colorado
★★★★★
We brought this to our CFO and she approved it in the same meeting. The numbers are undeniable. 85 employees, saving $52,000 a year. Zero disruption to our operations.
Angela M.
HR Director, Technology Company - California
Common Questions
Straight Answers.
Is this legal and IRS compliant?
What does it actually cost to implement?
Will this affect existing employee benefits or 401k?
How long does setup take?
Do all employees have to participate?
What are the two eligibility requirements?
Get Started Today
Every Payroll Run
Without This Costs Money.
Watch the free webinar, review the qualification path, and see how the savings process works before the next step.
$1,097 Per W-2 Employee
Live in 30 Days
Zero Cost
No Operational Changes