Rising Cost
Healthcare premiums have increased 47% in the last decade, straining company budgets and employee wallets.
IRS Section 125 CompliantSOC Certified
Healthcare Your Employees Actually Use at $0 Net Cost
The #1 Supplemental Wellness Plan built under Section 125 with nationwide benefits. Following the highest standard for IRS, DOL, ACA, ISO, and HIPAA compliance. Reviewed and supported by the largest publicly traded CPA firm!
Expensive Healthcare
Traditional Healthcare is Broken
When healthcare feels costly and complex, employees delay care, resulting in higher absenteeism, reduced productivity, and increased spend for your business.
Low Employee Usage
Employees avoid care due to high deductibles and copays, leading to worse health outcomes and productivity loss.
Complex Insurance Systems
Navigating networks, pre-authorizations, and claims creates frustration and delays necessary treatment.
Solution
A Better Way to Offer Healthcare
Leveraging IRS Section 125, your company can generate payroll tax savings for all W2 employees, which pay for our IRS compliant healthcare benefits.
When structured correctly, these savings can support preventive care, wellness programs, and routine healthcare needs, helping your team stay healthier while your business reduces its tax burden.
Available to all employees regardless if they do or do not have health insurance.
The simple math that makes this work. No tricks.
If It's Free, Who Pays For It?
When employees receive healthcare benefits through a Section 125 Wellness Plan, the premium is treated as pre-tax payroll purposes. This means the employer saves on FICA taxes, and employees save on payroll taxes.
Employee Wins
Monthly Gross Wages
$3,500
Before$2,845
After$2,952
Plus FREE healthcare for entire family
Employer Savings
FICA Tax per Employee/Month
FICA Taxes
Before$198.90
After$107.09
$773.40 saved per employee annually
Everyone Wins
Employees take home more pay while receiving free healthcare, employers reduce their tax burden, and the entire program delivers value on both sides. All with zero direct cost.
Bottom line: The tax savings generated from reducing taxable payroll is what funds the healthcare benefits. This structure is available for W-2 employees (full-time or part-time).
Care when you need it
$0 In-Person Urgent Care, When It Can't Wait
Some health needs can't be handled over video. With UnifyWell, you get 3 in-person urgent care visits per year at $0 cost, with 7K+ locations in-network. Whether it's a sudden illness or a minor injury, you can get convenient, high-quality care without worrying about the bill.
Our Care Coordinators help you find a nearby center and handle payment of up to $200 per visit with the clinic on your behalf, so you can focus on getting better.
Finding care is simple, just search the urgent care directory to find a location in your area, and your Care Coordinator takes care of the rest.
The simple math that makes this work. No tricks.
Save and earn more only with UnifyWell.
UnifyWell provides healthcare program built under IRS section 125 with compliance, ACA-alignment, SOC audit completion, and HIPAA certification. As an industry leader, UnifyWell is trusted by hundreds of employers to deliver smarter, compliant healthcare solutions.
available in all 50 states 
Total Employees Enrolled
0+With world class industry standard utilization and client satisfaction.Average Annual Employer Net FICA Savings
$0Based on our average organization size of 180 qualified W-2 employees.Enrollment Time
~0 Weeksfrom census data to payroll integration,UnifyWell makes it simple.Wellness Benefits
Care & Coverage Built for Employees
Pick up your prescriptions for free at over 70,000 pharmacies, with top 4 out of 5 generics covered at $0 cost.
Compliance & Certifications
Calculate Saving
Calculate Your Savings
Employer net savings of over $773.40 per employee per year, while employees enjoy higher take-home pay and completely $0-cost healthcare benefits.
Plans
See Plans & Choose the Right Fit
Explore our flexible options designed for every stage of growth. All plans include core benefits, with added features as you scale your coverage and savings.
PLAN COMPARISON
Wellness Plan
Net $0 Cost
A FREE supplemental benefit program that works alongside existing insurance or as stand-alone coverage
Free In-person urgent care
24/7 $0 copay Virtual Primary & Urgent Care
Unlimited, free 24/7 Virtual Counseling
$0 generic medications at pharmacies nationwide
Discounted vision care with glasses and contacts
Nationwide dental discounts at over 263,000+ clinics
Discounted labs, imaging, and procedures
Wellness coaching, nutrition & stress management support
UnifyWell Premium Plan
$250/mo.
Combines Section 125 tax advantages with HealthShare for comprehensive protection.
Everything included in the Wellness Plan
Large Medical Protection with $2500 out-of-pocket- Hospitalization Covered
Nationwide Availability, No Networks- Pre-existing Medical Conditions Phase-in
Perfect replacement for traditional Insurance
ER Visits Covered
Pregnancy Care Included
The simple math that makes this work. No tricks.
Wherever Your Team Goes, Quality
Care Follows.
How it Works
Up & Running in 4 Simple Steps
We handle the complexity so you don’t have to. Most employers go from first call to plan start in 6 weeks
Free Payroll Analysis
We analyze your payroll at no cost. See exactly how much your organization can save.
Sign Agreement
Review and sign your customized plan. Simple, transparent, and tailored to your team.
Employee Enrollment
We handle everything: communication, paperwork, and enrollment support.
Launch Benefits
Employees access wellness benefits instantly through the UnifyWell app.
The simple math that makes this work. No tricks.
What Employers are Saying
Hear from employers who have experienced the benefits of our program.
Plan administered by ACA Solutions.
Exceptional support and savings
...questions and concerns with exceptional support. I am immensely satisfied with ACA's services. They have enabled our organization to save hundreds of thousands....
Exceptional guidance, lasting benefits
...26 other Maaco owners to ACA Solutions and will continue to recommend it to my colleagues. I want to express my gratitude to Virginia for taking the time to....
Significant savings, competitive edge
...organization, presenting substantial financial benefits, including significant savings in FICA taxes and workers compensation annually. Moreover, the telehealth benefits...
Premier provider, proven results
...I can confidently assert that ACA stands as a premier provider in this domain. Consequently, we are now realizing annual savings exceeding $140,000. Furthermore, the program has...
Exceptional Value, Measurable Results
...I hold the ACA program and its team in the highest regard, as their solutions have demonstrated exceptional compliance reliability, unlike several...
Benefits. Savings. Referrals.
...Solutions, my employees now enjoy benefits they have never had before, and I am saving close to $100,000 on FICA and workers' compensation costs Furthermore, I have become a referral...
A Lifeline for Our Business
...instrumental in sustaining our business, allowing us to keep our doors open and retain our employees. Thanks to their program, we are achieving annual savings of over $500,000...
High-impact Savings
...We were presented with a proposal that outlined the savings for 132 employees. Our company achieved substantial annual savings, exceeding a quarter million dollars in both FICA and workers' compensation...
Proven Employee Benefits
...my team confirmed that the ACA plan is fully compliant with IRS guidelines and operates within legal boundaries. I have the utmost confidence in this program, as it has provided crucial savings for...
Elevated Employee Retention
...integrating this plan has proven to be a strategic advantage, offering enhanced benefits for employees and their families while increasing take-home pay. As a result, my hotels are distinguished...
Exceptional support and savings
...questions and concerns with exceptional support. I am immensely satisfied with ACA's services. They have enabled our organization to save hundreds of thousands....
Exceptional guidance, lasting benefits
...26 other Maaco owners to ACA Solutions and will continue to recommend it to my colleagues. I want to express my gratitude to Virginia for taking the time to....
Significant savings, competitive edge
...organization, presenting substantial financial benefits, including significant savings in FICA taxes and workers compensation annually. Moreover, the telehealth benefits...
Premier provider, proven results
...I can confidently assert that ACA stands as a premier provider in this domain. Consequently, we are now realizing annual savings exceeding $140,000. Furthermore, the program has...
Exceptional Value, Measurable Results
...I hold the ACA program and its team in the highest regard, as their solutions have demonstrated exceptional compliance reliability, unlike several...
Benefits. Savings. Referrals.
...Solutions, my employees now enjoy benefits they have never had before, and I am saving close to $100,000 on FICA and workers' compensation costs Furthermore, I have become a referral...
A Lifeline for Our Business
...instrumental in sustaining our business, allowing us to keep our doors open and retain our employees. Thanks to their program, we are achieving annual savings of over $500,000...
High-impact Savings
...We were presented with a proposal that outlined the savings for 132 employees. Our company achieved substantial annual savings, exceeding a quarter million dollars in both FICA and workers' compensation...
Proven Employee Benefits
...my team confirmed that the ACA plan is fully compliant with IRS guidelines and operates within legal boundaries. I have the utmost confidence in this program, as it has provided crucial savings for...
Elevated Employee Retention
...integrating this plan has proven to be a strategic advantage, offering enhanced benefits for employees and their families while increasing take-home pay. As a result, my hotels are distinguished...
The simple math that makes this work. No tricks.
Frequently Asked Questions
Don’t just take our word for it. Hear how Employers & Employees actually experience the platform in real workflows
CEO CFO Legal Department Compliance Team HR Leadership Board of Directors PEO / Benefits Consultant Due Diligence Broker & Advisor Employee
The program improves employee healthcare access while improving payroll economics. It allows employers to convert a portion of taxable payroll into tax-efficient healthcare benefits while maintaining compliance with established IRS benefit rules.
Contact Us
Let’s Talk
Discover & Design
We start with a free consultation and payroll analysis. Based on your data, we build a customized proposal with clear, itemized savings and benefits.
Approve & Prepare
After signing, we'll start onboarding, helping you share the benefits with your team and address their questions.
Launch & Support
We set up payroll, handle the rollout, and ensure everything runs smoothly as your plan goes live.
Book a Consultation
Download Our App
All Benefits in a Single App
Get instant access to your wellness journey in one place. Track, manage, and improve your health with smart, easy-to-use features anytime, anywhere.
