An ACA-compliant program benefiting both employers and employees.
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These benefits include services such as virtual urgent care, virtual primary care, RX coverage, mental health counseling, and weight loss guidance. These services are available with $0 copays and extend to up to 7 total people in the family.
On average, employers see a net FICA tax savings of up to $1,119 per W2 employee per year. This is a tax savings, not a credit. The savings are realized each time payroll is run.
On average, employees will realize $250-$350 in tax savings per month. These savings are then repurposed to subsidize ACA compliant benefits as displayed below.
Employees receive $0-copay primary care (3 visits/year), $0-copay access to 3,500 medications, and urgent care visits and Quest lab testing as allowed by available tax-savings funds.
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Reduces medical expenses with an average 35% savings on hospital bills. Provides comprehensive, transparent coverage and relieves financial stress nationwide.
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Whole life coverage (up to $150,000 guaranteed issue) with average cash value growth of 4–7% after year two, based on available tax-savings funds.
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IronGate Business Advisors offers a fully ACA-compliant FICA Reduction Program that enhances your employee benefits while driving real financial savings. This workplace wellness solution promotes healthier, more engaged employees while reducing payroll tax liabilities for both employers and employees. It’s a smart, cost-effective way to strengthen your benefits package and boost your bottom line.
Request ConsultationThe program applies a fixed pre-tax deduction to each participating employee’s paycheck. This lowers their taxable wages, which reduces the FICA tax liability for the employer. The FICA rate of 7.65% remains the same, but is now at a lesser amount due to the reduction in gross taxable income of the employees.
Yes, the program is fully compliant with IRS Sections §125, §104(a)(3), §105(b), 106(a), and 5213(d), as well as ERISA and ACA regulations such as 42 U.S. Code §300gg-4(1)(3)(c). All documentation and administration are handled by licensed third-party providers to ensure compliance.
Employees must earn at least $26,000 per year and average 30 hours or more per week por the Department of Labor. Any employees on Medicaid would not be eligible for this program.
It’s a quick and simple 3-step process: 1. Discovery & Eligibility Review – We assess your eligibility and potential savings. 2. Implementation & Payroll Setup – We handle the technical payroll setup process. 3. Employee Onboarding – Employees are enrolled through a guided, digital onboarding process. (Most companies are up and running within 2-3 weeks)
The program derives from the Affordable Care Act initially put in place January 1st, 2014, which combined aspects of the Section 125 pre-tax employee plan (put in place under ERISA act of 1974), improved efficiency in the healthcare industry (put in place under the HIPAA act of 1996), and the hyper focus of the U.S. government to provide employees proper benefits at a subsidized cost.
It doesn’t replace any existing health plans. Employees can keep their current coverage. The ReviveHealth Program simply adds additional wellness benefits and includes a Minimum Essential Coverage (MEC) plan to help meet ACA requirements. If the employee does not have any major medical coverage, this can act as a stand alone offering.
There is no out-of-pocket cost for either the employer or employee. The program is funded through a pre-tax structure that reallocates part of the employee’s tax savings to subsidize benefits. There are no admin fees charged on the employer savings.