THE STAYHEALTHY WELLNESS PROGRAM
Expand benefits. Cut payroll taxes.
Keep everyone happy.
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.
CHAPTER 01 / WHAT IT IS
Turn tax savings into a real advantage.
The Stayhealthy Wellness Program 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.
CHAPTER 02 / HOW IT WORKS
From setup to savings in four steps.
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.
CHAPTER 03 / WHY IT WORKS
Turn payroll tax savings into a retention strategy.
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.
CHAPTER 04 / 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
Reduces taxable payroll while funding supplemental health benefits.
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.
CHAPTER 05 / A HEALTHIER, MORE PRODUCTIVE WORKFORCE
What your team gets.
No-cost supplemental benefits plus preventative care, stress management resources, and 24/7 telehealth: real tools that reduce absenteeism and lower healthcare costs.
Dental and Vision
Supplemental dental and vision coverage layered on top of the health plan you already have.
Guaranteed-Issue Life Insurance
Life insurance coverage offered at no added cost, with no medical underwriting to qualify.
Accident, Disability, and Critical Illness Coverage
No-cost supplemental protection that lifts satisfaction and loyalty across the workforce.
Virtual Primary Care
Dedicated primary care physicians who get to know each employee personally, maintain their health records, and provide ongoing care management.
24/7 Urgent Care
Board-certified physicians available around the clock for urgent medical issues, not just a basic telehealth hotline.
Mental Health and Therapy
Licensed therapists and counselors available on demand, plus ongoing therapy sessions and mental wellness programs.
Also included: physician-supervised weight management with nutritionist support, and a no-cost prescription program covering over 1,000 medications delivered at zero cost to employees.
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 Wellness Program 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 percent, unlocking additional budget
- Added new wellness benefits and guaranteed-issue life insurance
- Lifted retention by 30 percent within six months
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
Stayhealthy 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 percent 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."
IS YOUR BUSINESS ELIGIBLE
Is your business a fit?
The Stayhealthy Wellness Program is built for US businesses with 25 or more employees. Use the eligibility checker on wellness.stayhealthy.com to see how much you could save and which benefits your team can unlock.
The Stayhealthy Wellness Program is delivered by Stayhealthy, Inc. This page provides educational information about employer benefit structures and does not constitute legal or tax advice. Employers should consult qualified legal counsel and tax advisors before implementing any benefit plan.
GET STARTED
Get your exact numbers.
Run the full savings calculator, get an exact proposal, and check your eligibility at wellness.stayhealthy.com. Or tell us about your team below and we will follow up directly.