Build Income by Introducing Business Owners to a Proven Preventive Care Benefits Plan
Work alongside Irongate’s professional business advisors to help companies enhance employee benefits while lowering payroll tax liability through an IRS and ACA-compliant approach—no selling or licensing required.
For Employers
✓ Save an average of $1,100+ per W2 employee on payroll taxes
✓ Zero-cost implementation with no added payroll expense
✓ Improved employee retention and engagement
✓ Stronger, more competitive benefits package
For Employees
✓ Access to unlimited virtual primary care and urgent care
✓ 1,000+ generic prescription at $0 - shipped home free
✓ No change to take-home pay
✓ Unlimited mental health counseling and weight health coaching
See Your Payroll Savings in Action
A sample payroll report revealing the immediate financial impact of the Irongate's Preventive Care Benefits Plan
Frequently Asked Questions
How Do the Savings Work?
The program applies a fixed pre-tax deduction to each participating employee's paycheck. This lowers their taxable wages, which reduces the FICA tax liability for the employer. The FICA rate of 7.65% remains the same, but it is now applied to a reduced amount, generating savings for the employer.
Why Was This Program Created?
The program originates from the Affordable Care Act (ACA) of 2014 and builds on earlier frameworks like Section 125 plans (ERISA 1974) and HIPAA (1996). It was designed to improve efficiency in healthcare delivery while ensuring employees have access to compliant, subsidized benefits.
Is the Preventive Care Program compliant with IRS and ACA regulations?
Yes. The program is fully compliant with IRS Sections §125, §104(a)(3), §105(b), §106(a), and §213(d), as well as ERISA and ACA regulations (e.g., 42 U.S. Code §300gg-4(i)(3)(c)). All documentation and administration are handled by licensed third-party providers to ensure compliance.
How Does This Affect My Current Healthcare Plans?
The program does not replace existing health coverage. Employees can keep their current plan. It simply adds additional wellness benefits and includes a Minimum Essential Coverage (MEC) plan to meet ACA requirements. For employees without major medical coverage, it can function as a stand-alone option.
What Are the Employee Requirements to Qualify?
Employees must earn at least $26,000 per year and average 30 or more hours per week. Enrollment in existing major medical coverage is not required, as MEC is automatically included. Employees currently on Medicaid are not eligible.
Does This Cost Anything Out of Pocket?
There is no out-of-pocket cost for either employers or employees. The program is funded through a pre-tax structure that reallocates part of employee tax savings to subsidize benefits. Employers are not charged administrative fees on their savings.
What Does the Process Look Like to Get Started?
Implementation is a simple 3-step process: (1) Discovery & Eligibility Review, (2) Payroll Setup & Administration, and (3) Employee Onboarding via a guided digital process.
Does This Affect My Take-Home Pay?
No. In many cases, employees see a slight increase in net take-home pay due to leftover tax savings after deductions are applied.
What Benefits Are Included in the Plan?
The plan includes unlimited 24/7 virtual urgent care, unlimited virtual primary care visits per enrolled household member, 1,000+ generic prescriptions at no cost, and unlimited mental health counseling sessions. It also provides additional wellness resources, a MEC plan (with 3 in-person visits/year $0 copay), and hospital bill eraser.
What Kind of Prescriptions Are Covered?
Over 1,000 common generic prescriptions are included at no cost. Specialty or brand-only drugs may vary depending on availability.
Contact Me
Get in touch to explore how we can assist your business in achieving financial success today.
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Kevin Johnson
Credit & Refund Specialists
Affiliate Partner with IronGate Business Advisors