Pricing

What does this cost?

When employees receive healthcare benefits through a Section 125 Wellness Plan, the premium is treated as pre-tax for payroll purposes. This means the employer saves on FICA taxes, and employees save on payroll taxes.

Leveraging IRS Section 125, your agency can generate payroll tax savings for all employees, which can pay for our IRS-compliant healthcare benefits.

When structured correctly, these savings can support preventative care, wellness programs, and routine healthcare needs, helping your team stay healthier while your business reduces its tax burden.

The mechanics behind that number are in our Section 125 guide for home care agencies.

What the agency savings looks like

Across the proposals Home Care Wellness has run, the employer savings has landed between $300 and $900 per participating employee per year, net of the administration fee.

UnifyWell's own published example nets roughly $600 per participating employee per year.

That is a range, not a quote. It moves with wages, filing status and pay schedule, and not every caregiver qualifies.

The workers' comp question

Workers' compensation premiums are rated on payroll. When employee contributions come out pre-tax, the wage base drops, and in some states that lower base is what the comp premium is calculated on. Where that is true, the plan may reduce your comp premium on top of the payroll savings.

Agency and caregiver responsibilities

  • Payroll code setup. Your payroll provider or bookkeeper has to add the deduction and reward codes. Payroll specialists work directly with them, but it is an hour or two of somebody's attention.
  • An enrollment window. UnifyWell runs the caregiver communication and meetings, roughly 95 percent of the work, but your team has to help with coordination.
  • Ongoing participation. Caregivers complete a health risk assessment and a monthly wellness activity. That is what makes the structure defensible, and it means the benefit is not passive.
  • Your CPA's time. We ask you to have the documents reviewed.

Get your own number

The estimator gives you a directional figure in about thirty seconds. The proposal gives you the real one, free, usually in a day or two.

Open the estimator
Nothing to buy to find out.

Home Care Wellness provides marketing and enrollment support and does not provide legal, tax, accounting or health advice. The Unify Wellness Plan is administered by UnifyWell. Savings figures in any proposal are estimates based on the payroll information provided and are not guaranteed. Federal and state tax laws change. Consult your own CPA or attorney before enrolling.