The $640-Per-Employee Tax Credit Most Employers Miss
Many mid-sized employers can capture roughly $640 per employee per year in tax credits through a tax-advantaged health benefit that works alongside their existing plan — while employees see $100–150 more in monthly take-home pay, with no premium increase.
The reason it goes unclaimed isn't complexity for your team — it's that most benefits conversations never touch the relevant tax incentives. Here's how it works and why it's so often overlooked.
What is a tax-advantaged health benefit?
It's an employer-focused benefit that fills the gap where traditional coverage falls short, using tax incentives many companies never leverage. It runs on a predictable per-employee-per-month model, works alongside your major medical plan, and strategically redirects certain care to drive savings while improving employee satisfaction.
Where does the money come from?
Two places at once. Your company captures tax credits that drop to the bottom line, and employees gain access to no-cost services — from urgent-care medications to virtual primary care — that increase their effective take-home pay. Nobody pays more premiums; nobody loses coverage.
Why do most employers miss it?
Because it lives at the intersection of benefits and tax strategy, and few brokers work both sides. The incentives have been available for years — they're just rarely captured.
What do employees actually get?
More take-home pay each month with no added cost
Free home delivery of 1,000+ medications and no-cost urgent-care meds at 70,000+ locations
24/7 on-demand urgent care and virtual primary care within 1–3 days
Round-the-clock mental-health support
The result is a benefit employees notice — which is exactly what makes it a retention tool rather than a checkbox expense.
Does this replace our current health plan?
No. It works alongside your existing coverage, filling gaps — it doesn't replace anything.
Will our premiums go up?
No. There are no premium increases and no out-of-pocket cost to employees.
This is general information, not tax advice — confirm specifics with your tax advisor.
See what it looks like for your team — book a free consultation.
