The Attentive wellness program lets you reduce your FICA tax liability while giving employees a superior benefits package — at no cost to your business.
A Self-Insured Medical Expense Reimbursement Program — purposefully created and found compliant with IRC 213(d), 106(a), 105(b), and all applicable IRS memos, ERISA regulations, HIPAA, and the ADA.
Employees opt into the wellness program. The premium is deducted pre-tax from their paycheck under IRS Section 106(a) — which excludes wellness benefits from taxable income.
Because pre-tax deductions reduce employees' taxable income, both the employer and employee pay less in FICA taxes (Social Security + Medicare). The employer saves $500–$590 per participant annually.
Employees get a superior wellness plan with no reduction in take-home pay. Employers reduce tax liability and see measurable improvements in workforce health and retention.
Every number here is based on IRS-validated calculations and validated program data from the Intel GE Validation Institute.
Lower payroll tax liability translates directly into reduced cost-per-employee, improving your bottom line without cutting compensation.
Healthier employees use insurance less frequently, improving your group plan's loss ratio and driving better renewal terms.
When your workforce is healthier and your loss ratio improves, insurance carriers offer more competitive renewal rates at your annual review.
Employees who feel cared for stay longer, perform better, and refer others. Benefits are consistently ranked as a top factor in workplace satisfaction.
Telehealth and on-demand care mean employees spend less time away from work for appointments — and come back healthier, faster.
Offering premium voluntary benefits puts you on equal footing with large corporations when competing for talent in Phoenix's job market.
The Attentive program was purposefully created and verified compliant with every applicable federal law and IRS regulation.
Defines qualifying medical expenses eligible for tax-favored treatment under the program.
Excludes employer-paid wellness benefit premiums from employees' gross income.
Covers employer reimbursements of medical expenses free from income tax.
Full compliance with Employee Retirement Income Security Act and Health Insurance Portability and Accountability Act requirements.
The program always works alongside an ACA-approved medical insurance plan, never replacing it.
The mechanism that enables pre-tax deductions, generating FICA savings for both employer and employee.
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