The most audited Section 125 Cafeteria Plan in America.
Benecor Health helps U.S. employers redirect FICA payroll taxes into employee healthcare benefits at zero net cost. Employers save $91.43 per employee per month. Employees lift take-home pay $70 to $110 per month. Registered in all 50 states. Serving employers from 5 to 3,000+ employees.
What is a Section 125 cafeteria plan?
How employers save $91.43 per employee per month
How employees take home $70–$110 more per month
What stays the same when you add §125
Compliance: IRS-reviewed, ERISA-qualified, all 50 states
How to launch in 6 weeks
Latest guides
- Section 125 Health Benefits in Massachusetts for Employees: Section 125 health benefits in Massachusetts cut federal tax, FICA and possibly the 5% state tax. See a worked example, 2027 Health Connector facts and an HR email.
- Section 125 Health Benefits in North Carolina for Employees: Section 125 health benefits in North Carolina cut federal tax, FICA and possibly the 3.99% state tax. See a worked example, 2027 marketplace facts and an HR email.
- Section 125 Health Benefits in Michigan for Employees: Section 125 health benefits in Michigan cut federal tax, FICA and possibly the 4.25% state tax. See a worked example, 2027 marketplace facts and an HR email.
- Section 125 Health Benefits in Georgia for Employees: Section 125 health benefits in Georgia cut federal tax, FICA and possibly state tax. See a worked example, 2027 Georgia Access facts and an email to HR.
- Section 125 Health Benefits in Ohio for Employees: Section 125 health benefits in Ohio cut federal tax, FICA and municipal income tax. See a worked example, 2027 marketplace facts and an email to HR.
- Section 125 Health Benefits in Illinois for Employees: Section 125 health benefits in Illinois cut federal income tax, FICA and may reduce Illinois' 4.95% tax. See a worked example, your options and an email to HR.
- Section 125 Health Benefits in Pennsylvania for Employees: Section 125 health benefits in Pennsylvania cut federal tax, FICA and Pennsylvania's 3.07% tax. See a worked example, Pennie facts and an email to HR.
- Section 125 Health Benefits in California for Employees: Section 125 health benefits in California cut federal income tax, FICA, state tax and SDI on premiums. See a worked example and an email to send HR.
- CAFE 125 on Your W-2: What It Means: CAFE 125 on your W-2 is pay you put into a Section 125 plan before tax. See where it shows up, how much it saves and how to check it against your pay stub.
- Section 125 Health Benefits in Arizona for Employees: Section 125 health benefits in Arizona cut federal income tax, FICA and Arizona's 2.5% tax. See a worked example, your options and an email to send HR.
- Section 125 Health Insurance for Employees: Section 125 health insurance takes your premium out before FICA and income tax. See what it saves, how it shows on your W-2 and when you can change it.
- How ICHRA Reimbursement Works: ICHRA reimbursement means the employee buys a plan, proves coverage, and the employer repays the premium up to a set allowance. See each step and the rules.
- Section 125 Health Benefits in Florida for Employees: Section 125 health benefits in Florida cut federal income tax and FICA, and Florida has no state income tax. See your savings, your options and an HR email.
- Section 125 Health Benefits in Texas for Employees: Section 125 health benefits in Texas cut federal income tax and FICA, and Texas has no state income tax. See your savings, your pay rights and an HR email.
- Section 125 Health Benefits in New York for Employees: Section 125 health benefits in New York cut your federal income tax and FICA. See how NYS and NYC tax them, what else is on your paycheck, and how to ask HR.