Preventive Care Benefits Solutions
Independent business benefit strategies and educational resources powered through IronGate Business Advisors.
A structured way for employers to expand access to preventive care while meaningfully reducing healthcare-related costs for both the business and its employees.
Pre-tax payroll structuring paired with real preventive care.
The Preventive Care Benefits Plan combines IRS-recognized pre-tax payroll structuring with a comprehensive set of preventive healthcare services. By lowering taxable wages and reallocating the savings, employers reduce FICA exposure while employees gain access to essential care at no added cost.
Services like virtual primary care, urgent care, mental health counseling, and prescription coverage are delivered through a centralized platform. The plan can complement existing health coverage or function as a stand-alone solution — fully aligned with IRC §213(d) and ACA participatory wellness rules.
Average net FICA tax savings per full-time W-2 employee, per year.
Realized every payroll cycle — not a one-time credit.
Average employee tax savings per month.
Repurposed to fund expanded preventive benefits at no added cost.
Minimum income threshold for eligibility.
Full-time W-2 employees averaging 30+ hours/week.
A plan structured for everyone at the table.
Employee Eligibility
Full-time employees averaging 30+ hours per week and earning a minimum of $26,000 per year qualify for the program. Employees currently enrolled in Medicaid are not eligible.
Employer
Employers realize an average of $1,186 in net FICA tax savings per W-2 employee per year. This is a tax saving — not a credit — recognized at every payroll run. There are no admin fees on employer savings.
Employee
Employees average $250–$350 in monthly tax savings, which are then repurposed to fund expanded preventive benefits. Net take-home pay is designed to remain neutral.
Four mechanics. One compliant outcome.
Net pay stays neutral. Tax efficiency funds the benefits. Compliance is grounded in established Internal Revenue Code provisions.
Pre-Tax Deduction
A fixed pre-tax deduction is applied to the employee's paycheck under IRC §125, lowering taxable wages.
Employer FICA Reduction
Because wages are lower, employer FICA (7.65%) is calculated against a smaller base — generating real, recurring tax savings.
Post-Tax Reimbursement
A non-taxable §105(b) reimbursement restores the employee's net take-home pay so it stays neutral.
Benefits Funded
The created tax efficiency funds the preventive benefits — at no out-of-pocket cost to the employer or employee.
A comprehensive preventive care platform.
Unlimited virtual primary care visits per enrolled member, per year.
Unlimited virtual urgent care visits.
Unlimited mental health counseling visits per enrolled member.
1,000+ generic prescriptions at $0 copay, shipped directly to the home.
Included for enrolled employees — helps meet ACA requirements.
Historical average of 35% in hospital bill reductions.
Up to $150,000 death benefit with cash accumulation accessible after year 2.
One login for employees — no fragmented vendors or portals.
Real, in-person care with $0 copays.
The included Minimum Essential Coverage plan helps satisfy ACA requirements while giving enrolled employees access to preventive care, prescriptions, and hospital advocacy at no cost.
- $0 Copay3 In-Person Primary Care Visits Per Year
- $0 Copay1,900 Generic Rx common prescriptions covered
- $0 CopayHospital Bill Advocacy, iTechnology, and Financial Assistance Programs
- Included3,500 additional prescriptions in the MEC plan
Reduce — or erase — hospital bills.
Hospital Bill Advocacy, iTechnology, and Financial Assistance Programs work together to reduce hospital bills for enrolled employees. Historical average: a 35% reduction in hospital bills.
- Direct advocacy with hospital billing departments
- Technology-assisted bill review and error detection
- Connection to financial assistance programs employees often miss
- Hands-on support — not just a phone number
Frequently asked.
A quick, simple 3-stage rollout.
Most companies are up and running within 2–3 weeks.
Discovery & Eligibility Review
We assess eligibility, walk through the math, and confirm whether this even makes sense for your business.
Implementation & Payroll Setup
We handle the technical payroll integration and compliance paperwork end-to-end.
Employee Onboarding
Employees are enrolled through a guided digital onboarding process and a 30-minute town hall.
What happens, week by week.
A clear, sequenced rollout from first call to first payroll savings.
Discovery Call
30-minute conversation with IronGate account executives to walk through the program.
Submit Payroll Data
Business submits requested payroll information for analysis.
Review Proposal
Business owner reviews projected savings and employee eligibility.
Sign Engagement Letter
Service agreement issued and signed.
Sign Carrier Paperwork
Insurance documents reviewed and signed.
Fill Out Census
Additional employee information provided.
Schedule Onboarding Townhall
30-minute Q&A for employees, hosted by IronGate.
Realize Savings — Next Payroll
Plan goes live. Savings generated each payroll cycle, benefits active.
Quiet, compliant, and effective.
"Scott walked us through the math, the compliance, and the rollout without any pressure. We expanded benefits for our team without raising payroll costs."
Operations Director
Regional services company
"The pre-tax structure is real, the savings showed up on the very next payroll, and our employees finally have meaningful preventive care."
Owner
Construction firm
"What I appreciated most was the compliance posture — clear references to §105(b) and §213(d), not vague indemnity language. Easy yes for our CFO."
Controller
Independent dealership group
Curious what this looks like for your business?
Start with a 30-minute discovery call. We'll walk through eligibility, the projected savings on your actual payroll, and whether the structure makes sense for your team.
Download the source materials.
The same overviews, FAQs, and compliance documents I share on a discovery call.
Employer Benefit Overview
Plain-English summary of how the savings work for employers and employees.
Download PDFPreventive Care Benefits Plan
Full plan overview — eligibility, services, savings, and compliance.
Download PDFCompliance Guide
How SIMRP differs from scrutinized structures — IRC §105(b), §213(d), and ACA framing.
Download PDFEmployer FAQs
Common questions answered for business owners and CFOs.
Download PDFClient Process Overview
Step-by-step rollout from discovery call to first payroll.
Download PDFPaycheck Example
Sample paycheck showing pre-tax / post-tax mechanics.
Download PDFMaterials provided by IronGate Business Advisors. For informational purposes only — does not constitute legal, tax, or accounting advice.
Curious whether this fits your business?
Start with a short consultation. No pressure, no obligation — just a clear look at whether the math and the structure make sense for your team.
Scott Stewart Insurance serves as an independent educational and referral resource. Programs and solutions may be administered through third-party partners and affiliated providers, including IronGate Business Advisors. Availability, eligibility, and potential savings may vary based on employer structure, payroll setup, and plan participation.
Not tax or legal advice. Employers should consult their CPA, tax advisor, or legal counsel regarding implementation and compliance considerations.