Programs that help businesses win
Carefully selected programs, delivered by experienced partners, that can help businesses lower costs, recover money owed and strengthen employee benefits. Choose a program to learn more.
Enhance employee benefits while reducing payroll taxes
Business owners are under constant pressure to control costs while offering competitive benefits. The Preventive Care Benefits Plan lets you do both, without increasing payroll expense or disrupting your existing health plan.
This IRS-compliant strategy enables employers to offer employees and their families access to additional health and wellness benefits without reducing their net take-home pay, all subsidized via tax savings.
Most employers save up to $1,186 per W-2 employee each year in FICA taxes, improving cash flow without cutting staff or increasing revenue.
No obligation. No upfront cost.
Key benefits for business owners
- Lower payroll taxesReduce employer FICA on every participating employee.
- No out-of-pocket costDesigned to be cost-neutral. No implementation fees, and savings typically exceed program costs.
- Stronger employee retentionTelehealth, preventive care, mental health support and prescription assistance increase satisfaction and reduce turnover.
- No change to existing health insuranceWorks alongside your current medical plan. No need to replace carriers or disrupt coverage.
- IRS-compliant & professionally managedStructured to align with IRS regulations and administered by experienced professionals.
Key benefits for employees, at no out-of-pocket cost
Every enrolled employee covers up to 8 household members (employee + 7 dependents).
Reallocate payroll dollars you already spend
Unlike traditional benefit upgrades that increase expenses, this strategy reallocates existing payroll dollars more efficiently. Employers gain immediate tax savings while positioning their business as a more attractive place to work.
Find out how much your business can save
Many employers are surprised by how much they qualify for, often tens of thousands of dollars annually depending on staff size.
No obligation. No upfront cost.
Frequently asked questions
Why was this program created?
The program originates from the Affordable Care Act (ACA) of 2014 and builds on earlier frameworks like Section 125 plans (ERISA 1974) and HIPAA (1996). It was designed to improve efficiency in healthcare delivery while ensuring employees have access to compliant, subsidized benefits.
How do the savings work?
The 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 it is now applied to a reduced amount, generating savings for the employer.
Is the program compliant with IRS and ACA regulations?
Yes. The program is fully compliant with IRS Sections §125, §104(a)(3), §105(b), §106(a), and §213(d), as well as ERISA and ACA regulations (e.g., 42 U.S. Code §300gg-4(i)(3)(c)). All documentation and administration are handled by licensed third-party providers to ensure compliance.
How does this affect my current healthcare plans?
The program does not replace existing health coverage. Employees can keep their current plan. It simply adds additional wellness benefits and includes a Minimum Essential Coverage (MEC) plan to meet ACA requirements. For employees without major medical coverage, it can function as a stand-alone option.
What are the employee requirements to qualify?
Employees must earn at least $26,000 per year and average 30 or more hours per week. Enrollment in existing major medical coverage is not required, as MEC is automatically included. Employees currently on Medicaid are not eligible.
Does this cost anything out of pocket?
There is no out-of-pocket cost for either employers or employees. The program is funded through a pre-tax structure that reallocates part of employee tax savings to subsidize benefits. Employers are not charged administrative fees on their savings.
What does the process look like to get started?
Implementation is a simple 3-step process: (1) Discovery & Eligibility Review, (2) Payroll Setup & Administration, and (3) Employee Onboarding via a guided digital process. Most companies are live within 2–3 weeks.
What benefits are included in the plan?
The plan includes unlimited virtual urgent care, 12 primary care visits per enrolled household member per year, unlimited common prescriptions at no cost, and 12 mental health counseling sessions. It also provides additional wellness resources, a MEC plan (with 3 in-person visits), hospital bill eraser, and a group whole life insurance policy if tax savings are sufficient.
What kind of prescriptions are covered?
Over 1,000 common generic prescriptions are included at no cost. Specialty or brand-only drugs may vary depending on availability.
Does this affect my take-home pay?
No. In many cases, employees see a slight increase in net take-home pay due to leftover tax savings after deductions are applied.
Your business may be owed tariff refunds
The U.S. Supreme Court ruled that many tariffs imposed under the International Emergency Economic Powers Act (IEEPA) were unlawfully collected. Businesses that imported goods into the United States may now be able to recover significant tariff payments, potentially including interest. Many importers still do not realize they may qualify.
No upfront cost, no obligation. Advance funding may be available for qualified claims.
Who may qualify?
Your business may qualify if you:
- Imported products into the United States
- Paid IEEPA-related tariffs
- Used a U.S. subsidiary for importing
- Shipped goods under DDP terms and absorbed duties
- Reimbursed tariff costs to importers
- Absorbed increased tariff-related supply chain costs
Industries commonly impacted
Not seeing your industry? If you import physical goods, you were likely affected.
A clear plan for a complex process
We make it easier to understand
Customs records, entry reviews, liquidation timelines and legal procedures, turned into a clear action plan: whether you qualify, what documents you need, and which deadlines matter.
A specialized recovery network
Strategic partnerships with experienced professionals in tariff recovery, customs compliance and claim support: entry analysis, refund calculations, documentation and filing.
We help protect your refund
Refunds are not automatic. Recovery depends on filing deadlines, liquidation status and proper claim preparation. Waiting too long may reduce your options.
Restaurants and bars may be missing thousands in tax credits
If you run a restaurant, bar or other hospitality business, the FICA Tip Credit reimburses you for the FICA taxes you pay on your employees' reported tip income. It is a dollar-for-dollar reduction in your federal tax bill, not just a deduction.
No upfront cost, no obligation.
- A direct credit, not a deductionReduces your tax bill dollar-for-dollar.
- Up to 7.65% of qualified tip incomeThe employer's share of Social Security and Medicare on reported tips.
- Who commonly qualifiesFull-service restaurants, bars and nightclubs, hotels and resorts, caterers, coffee shops and cafes.
- Handled by specialistsTax professionals prepare the paperwork, calculations and IRS filing.
Please note: Credit & Refund Specialists is an independent referral and consulting resource. We do not provide legal, tax, accounting, insurance or investment advice. Programs are provided by outside partners, and eligibility and results vary by business. Credit and Refund Specialists is an affiliate partner of IronGate Business Advisors.
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