A smarter preventative healthcare program that puts more money in your employees' pockets — at no cost to your business.
Backed by a Full-Service Insurance Agency
Freedom Benefits offers tailored benefit solutions through fact-based strategic planning, insightful and actionable analytics, and leading-edge technology solutions to deliver outstanding employee benefit packages while simultaneously driving both immediate and sustained profitability protection and maximization of shareholder value for our clients. We are a full-service financial services company specialized in group benefits, supplemental benefits, and additional benefits. Risk management services available.
Avg. Annual Employee Net Take-Home Increase
Avg. Annual Employer Savings Per Employee
IRS-Compliant — Section 125 Governed
Why It Matters
Most employees pay taxes on their full gross income — including money spent on healthcare, dental, vision, and dependent care. The IRS provides a legal mechanism to change that: the Section 125 Cafeteria Plan. Pre-tax benefit contributions reduce taxable income, while claim payment is received due to benefits resulting in net take-home increase without any change to their lifestyle or benefits.
For employers, the same pre-tax contributions reduce the wages subject to FICA taxes — Social Security and Medicare — generating real, measurable savings on every enrolled employee, every pay period. This program is entirely self-funding: the employer's payroll tax savings cover the cost of administration.
Example: California | Single | 1 Dependent | Annual Salary $31,200
The above is an example using sample information. Freedom Benefits cannot guarantee the same favorable tax outcome in all situations as federal and state tax laws are continuously changing. The benefits paid under this program may be taxable income. We recommend each group seek tax advice from a professional tax advisor prior to purchasing.
The Program
Every enrolled employee gains access to the following — included at no additional cost to your business.
Fixed cash benefit paid directly to employees for hospital stays and procedures.
Primary care, urgent care, behavioral health, and dermatology — on-demand.
Health risk screenings, free Rx program, and optional MEC (Minimum Essential Coverage).
Savings on dental, vision, labs, imaging, fitness, entertainment, and more.
Free glucose meters, low-cost testing strips, and access to diabetes care resources.
Earn cash claim payments by completing preventative healthcare activities.
For Employers
Because employees make pre-tax contributions to their preventative healthcare program, your company's FICA obligations are reduced on every enrolled employee, every payroll cycle. These savings are generated automatically and consistently — no extra steps required.
Per Employee, Bi-Weekly
Per Employee, Annually
For 500 Employees, Annually
| Period | Administration Fee | Net Savings |
|---|---|---|
| Bi-Weekly | $18.46 | $23.91 net savings |
| Monthly | $40.00 | $0.00 (baseline) |
| Yearly | $480.00 | $621.60 net savings |
Actual savings vary by employee wages, tax rates, and plan selection.
Scale With Your Workforce
Based on average net take-home increase of $840 per employee per year.
Your Savings Estimate
Drag the slider to match your workforce size and see your projected annual savings instantly.
Annual Employer Savings
per year
Monthly Employer Savings
per month
Bi-Weekly Savings
per pay period
Employee Take-Home Boost
added to your team per year
At 50 employees, Freedom Benefits puts $31K back in your budget and $42K more into your employees' pockets — every year.
The Process
Census data, payroll provider, and plan details.
System setup, employer agreements, payroll integration.
Full audit to ensure everything is correct before going live.
Go live with automated payroll processing.
Regular performance and compliance reports.
Proactive maintenance, updates, and year-round access.
Employee Support Includes
Built On Compliance
The program administrator covers legal fees for any federal or state agency investigation related to services provided under the agreement, up to a specified MSA amount.
An internal audit system confirms that all qualified enrolled employees are seeing verified increases in take-home pay — every pay period. If not, it's flagged and corrected.
It costs you nothing to find out how much you'll save. Book a free discovery call and we'll run a custom savings analysis for your workforce — no commitment required.