BenefitMatchCenterGet Matched

You've Heard About These Programs.

Now Get The Real Answers.

Section 125 programs are everywhere. So are bad vendors and conflicting advice. We're the independent resource that separates what's legitimate from what's not — and connects your business to the right plan.

See If Your Business Qualifies →See How It Works
Take-Home PayMore PayEmployees keep more
without a raise
Zero cost to employer
Matched this month
Paycheck
Before$831.58
After
$849.95
FICA SavingsTax Reliefon every payroll run
Vendors ReviewedPre-vettedno bad actors, guaranteed
IRS Compliant§125 Verified
Zero Cost to Set Up
Your MatchReady in 1–2 days
Most Employers HaveThe Same Three Questions

You've probably been approached about a Section 125 voluntary benefits program. Maybe by a vendor. Maybe by a colleague. Maybe by three different people telling you three different things.

Is this actually legitimate?

You heard it saves money. You also heard there are vendors cutting corners. The IRS has weighed in, but the space is still full of programs that aren't structured correctly.

Is this going to create problems for my employees?

You don't want to sign your team up for something that sounds great in January and causes headaches in April. You want to know the full picture — including the parts other vendors skip over.

Who can I actually trust?

Your CPA may not specialize in this. The vendor pitching you has a product to sell. You want someone who's done the diligence and will tell you what's real.

That's What Benefit Match Center Was Built For.

We Did The HomeworkSo You Don't Have To

Benefit Match Center is an independent exchange — not a carrier, not a vendor with a product to sell. We evaluated dozens of programs. Most didn't pass. The ones that did cleared our standards for insurance structure, IRS compliance, and claims performance. We only work with carriers that have demonstrated real-world claims performance and documented compliance track records.

We match your business to the right fit. A benefits strategist walks you through your options — comparing plan structures, payroll compatibility, and projected FICA savings for your headcount. No obligation, no pressure, no vendor agenda.

If your business doesn't qualify, we'll tell you that too. Our job is to give you the right answer — not the answer that closes a sale.

Click to jump to a step
01
Intake

Tell Us About Your Business

↓ Up Next

Analysis — We Analyze and Match

Step 01

Tell Us About Your Business

Complete a short form with your company size, industry, current benefits setup, and what matters most to you and your employees. Under two minutes.

No sales calls until you're ready. Your information stays private.

Step 02

We Analyze and Match

Our team reviews your profile against our vetted carrier network. We look at plan fit, compliance alignment, payroll compatibility, and employee demographics. You'll never see the vendors we've already filtered out.

Typical turnaround: 1–2 business days.

Step 03

You Review and Decide

A benefits strategist walks you through your matched options. Ask every question you have — about compliance, about the tax treatment, about what employees will see on their paycheck. No pressure, no obligation.

Implementation takes 2–4 weeks after you decide to move forward.

See If Your Business Qualifies →

Before/After Paycheck Comparison

Line ItemBeforeAfter
Weekly Gross Pay$1,000.00$1,000.00
Major Medical Premium-$0.00-$0.00
Additional Pre-Tax Deductions-$0.00-$0.00
Indemnity Plan Premium (pre-tax)-$0.00-$369.23
Taxable Income$1,000.00$630.77
Federal Withholding-$71.92-$27.62
Social Security-$62.00-$39.11
Medicare-$14.50-$9.15
State Withholding-$20.00-$12.62
Post-Tax Deductions-$0.00-$0.00
Post-Tax Income$831.58$542.27
Indemnity Claim Payment+$0.00+$307.68
Total Amount to Bank$831.58$849.95
Your employees receive benefit (claim) payments back through the plan, increasing their effective take-home pay.
+$18.39per week per employee
Tax Transparency Note

These numbers illustrate how a Section 125 voluntary benefits program can shift pre-tax dollars to reduce both the employee's taxable income and the employer's FICA obligation. Actual results depend on plan design, payroll structure, and employee participation. This is not tax advice.

The Basics, In Plain English

How These Programs Actually Work

Employees elect voluntary insurance benefits deducted pre-tax through a Section 125 cafeteria plan. The result:

Employees pay less in payroll taxes and see higher take-home pay
Your company saves on FICA for every enrolled employee
Real insurance — fully insured policies through licensed carriers. Not a wellness app. Not a reimbursement account.

What Employees Get:

Telehealth24/7 virtual doctor visits at no additional cost
Prescription SavingsDiscounted or no-cost prescriptions through the plan
Hospital & AccidentFixed cash payments if hospitalized or injured
Wellness & CoachingPersonalized health guidance, biometric screening, and in some plans, DNA-based insights
Higher Take-Home PayPre-tax structure means less comes out in payroll taxes each paycheck

These benefits layer on top of any existing health plan. Nothing changes about your current coverage.

Curious What This CouldLook Like For Your Business?

Use the estimator below to see projected savings based on your company size and average salary. These are estimates — your actual numbers depend on your specific payroll and plan design.

Avg Annual Salary$55K
$25K$150K
State (optional)
Number of Employees100–150
$16,830Estimated Annual Employer Savings
$168 per employee / year$25 est. per-paycheck employee gain
Get A Custom Analysis →Explore the full employee breakeven calculator →

Estimates based on FICA savings from Section 125 pre-tax benefit contributions. Actual results vary by plan design and payroll structure.

Common Situations We Help With

Here's When Employers Come To Us:

You've Been Pitched A Section 125 Program And Want To Know If What You're Hearing Is Accurate
You Want To Offer Stronger Benefits But Can't Absorb The Cost Of Traditional Group Health
Your Attorney Or CPA Has Raised Concerns About A Vendor And You Need An Objective Second Opinion
You Already Have A Program In Place But Aren't Sure Your Current Vendor Is Compliant Or Competitive
You're An HR Manager Fielding Questions About These Programs And Need An Objective Resource
You Walked Away From A Pitch Before Because Something Felt Off — And You Want To Revisit It With Someone You Trust
We ChoseThe Longer Road

We've Known About Section 125 Savings Programs For A Long Time. We Didn't Start Offering Them Until We Found Partners We Could Stand Behind.

We Spent Over A Year Evaluating Vendors, Reviewing Compliance Structures With Attorneys, And Watching How The IRS Treated These Programs Before We Brought Anything To Market. We Turned Away Vendors That Couldn't Meet Our Standards — Including Several That Were Popular In The Market But Didn't Hold Up Under Scrutiny.

What We Require From Every Vendor On Our Platform

Fully Insured:Real Insurance With A Licensed Carrier And Genuine Risk Transfer. No Level-Funded Or Self-Funded Structures.
Compliance-Backed:Independent Legal Review. Plan Design Aligned With Sections 125, 105(B), And 213(D) Of The IRS Code.
Employee Education:Multi-Week Onboarding With Direct Employee Communication. Spanish-Language Support Available.
Transparent Pricing:No Hidden Fees. Clear Admin Costs. No Surprises.
Operational Support:Payroll Integration, Enrollment Management, And Ongoing Administration That Doesn't Become A Second Job For Your HR Team.

There Is No Cost To Use Benefit Match Center. We're Compensated By Participating Carriers, But Carrier Fees Never Influence Which Plans We Recommend. Matching Is Based Solely On Fit.

Let's Start With Your Situation

Tell us about your company and what's important to you. A benefits strategist will reach out within one business day to schedule a no-obligation consultation.

Part 1: Company Info

Currently Offer Benefits?

Part 2: What Matters Most (Drag-to-Rank)

Employer Priorities (rank what matters most to your business):
Reducing payroll taxes1
Lowering healthcare renewal costs2
Improving employee retention3
Offering competitive benefits on a budget4
Hold and drag to reorder
Employee Priorities (rank which benefits matter most to your team):
Telehealth1
Prescription benefits2
Hospital or accident coverage3
Biometric screening / wellness coaching4
Hold and drag to reorder

Part 3: Contact Info