You’re Paying More and Getting Less — That Ends Now

If they force you to pay more every year while coverage shrinks… you’re not alone. In high-cost states, companies like yours are stuck choosing between affordability and care. Your team deserves better, and so do you.

Our zero-cost benefits plan helps you give your employees more, saves your company an average of $639 per person per year, and lower your workers comp burden — all without reducing take-home pay.

Keep More of Your Money

Offering zero net cost benefits services and group health insurance alternatives for small businesses.

Keep More of Your Money

We help you recapture an average of $639 per employee per year in payroll tax and workers comp savings — with no out-of-pocket spend.

Give Employees Real Benefits That Feel Like Raises

Free preventive care, virtual doctor visits, $0 prescriptions, mental health support, and supplemental insurance — all with no change to their paycheck.

We handle the rollout, onboarding, and payroll coordination — so your internal team doesn’t have to lift a finger.

Stop Burdening Your HR Team

Frequently Asked Questions

What is SIMERP program?

SIMERP is a tax-advantaged program providing benefits services at zero net cost to businesses.

Who can use SIMERP?

Any business can use SIMERP, especially those seeking cost-effective alternatives.

Do I have to change our current health insurance or broker?

Nope. Our plan layers on top of what you already have — no switching required. It's like you already have the hot fudge sunday and we add the whipped cream and cherry.

Most companies are up and running in just a few weeks. We handle onboarding, payroll integration, and employee education — it’s truly turnkey.

How long does it take to roll this out?

Is there a cost involved?

No, our services are offered at zero net cost through the SIMERP program.

What’s the catch? It sounds too good to be true.

What kinds of benefits do our employees actually get?

What size company is this designed for?

Is this legal and IRS-compliant?

They’ll receive 24/7 virtual care, $0 generic prescriptions, free labs, preventive screenings, mental health support, and supplemental insurance — all at no added cost to them.

This works best for businesses with 25 or more full-time W‑2 employees — especially in high-cost states where workers comp is a major burden.

Yes. Our plan is fully compliant with IRS, ERISA, ACA, and HIPAA guidelines — and backed by audit protection for added peace of mind.

There is no catch. We use a proven, government-endorsed payroll tax strategy (SIMERP) to fund the entire plan. It’s not a loophole — it’s just smart planning that most businesses don’t know exists like Cafeteria 125 plans when they first came out.

No pressure, no pitch — just a quick walkthrough to see if it’s a fit for your company.