Health Reimbursement Plan Saving Companies Thousands!

Life Secured Plus • Employer Strategy

Reduce Payroll Taxes Without Cutting Benefits

A payroll tax reallocation strategy that lowers employer costs and increases employee take-home pay — without increasing the benefits budget.

Request an EHMP Strategy Review See employee experience examples

Most employers overpay payroll taxes

Every payroll cycle, companies send significant dollars to payroll taxes that provide no direct benefit to the organization or its employees.

  • Employer FICA taxes increase with every raise
  • Workers’ compensation premiums are tied to taxable payroll
  • Higher wages don’t always translate to better employee outcomes

What an Employee Health Management Plan does

An Employee Health Management Plan (EHMP) is an IRS-approved structure that reallocates a portion of taxable payroll into a compliant medical reimbursement framework.

  • Lowers taxable income at the employee level
  • Reduces employer payroll tax exposure
  • Decreases workers’ compensation premium calculations
  • Credits employees with meaningful health benefits
  • Preserves existing major medical insurance
  • Allows Increase in benefits through reallocation & No net cost

Employee experience examples

These visuals show how employees can view program resources and how payroll tax reallocation can appear in a paycheck example.

Paycheck comparison example
Paycheck impact

Shows how taxable payroll adjustments can redirect dollars into credited health benefits and employee value.

 Preventative care management
Preventative care tools

Support tools designed to increase engagement and improve utilization.

 Employee assistance program
Employee assistance resources

Practical support options employees can use as part of their credited health benefits.

 Telemedicine and virtual care
Telemedicine & virtual care

Convenient access and care navigation support—without changing major medical coverage.

 Rx benefits
Rx support

Medication access and adherence support resources.

 Employee portal
Employee portal

A central dashboard for resources, guidance, and benefit tools.

The questions employers always ask

Where does the funding come from? From reallocating dollars that would otherwise be paid in payroll taxes — not from increasing wages or adding new benefit expense.
How do employees receive the benefit? Employees see a medical reimbursement line item and are credited with additional health benefits funded through the redirected dollars.
Does this replace our current medical plan? No. Existing major medical coverage remains unchanged.
Is this compliant? Yes. EHMPs are structured to align with IRS guidelines and supported with full administration.
Is this actually free? This is not a free program. However, it is designed to operate at no net cost by redirecting payroll tax dollars already leaving the business.
What’s the next step? Request a private strategy review so we can confirm fit based on your workforce size, payroll structure, and goals.
Request an EHMP Strategy Review What happens after submission
This content is for educational purposes only and does not constitute tax or legal advice. Program structure and results vary by employer and must be reviewed prior to implementation.