Better Benefits for Your Team. Zero Extra Cost to Anyone.
A supplemental benefits program that gives your employees up to $1,200 in additional coverage - while saving your company $640 per employee annually in taxes. No disruption. No open enrollment. No catch.
Who Qualifies
Three eligibility requirements. Most full-time W2 employees qualify automatically.
W2 Employee
Must be a W2 employee of your company.
Health Coverage
Must have qualified health insurance. Employees without coverage can enroll in the included ACA-compliant plan at no cost.
Full-Time or $26,240+
Must work 30+ hours per week or earn at least $26,240 annually.
How Much Could You Save?
Adjust the slider to see your estimated annual FICA tax savings.
Estimate based on ~$640/employee/year in FICA tax savings. Exact savings vary by payroll structure.
Everyone Wins
No additional costs to you or your employees. Works alongside your existing benefits.
For the Company
- ~$640 per employee annually in FICA tax savings
- No setup cost - the program pays for itself
- Plugs into your existing payroll system
- Implement any time - no open enrollment required
For Employees
- Up to $1,200 in additional coverage annually
- Short-term Disability, Critical Illness, Hospitalization, Accident & Life Insurance
- Digital wellness platform with care navigation
- No change in net take-home pay
How It Looks on a Paystub
Benefits are added without changing take-home pay.
| Before | After | |
|---|---|---|
| Monthly Wages | $3,705 | $3,705 |
| Benefits Program | - | $(1,220) |
| Taxable Income | $3,705 | $2,485 |
| Fed, State & Other Taxes | $(823) | $(513) |
| Wellness Program Fee | - | $(310) |
| Total Withheld | $(823) | $(823) |
| Non-taxable Reimbursement | - | $1,220 |
| Net Take-Home Pay | $2,882 | $2,882 |
About CovaHealth
CovaHealth is an independent benefits advisor. We don't administer the program or underwrite the benefits - we find employers who qualify and guide them through enrollment with the program provider.
The program itself is administered by an established third-party administrator backed by nationally recognized insurance carriers and a fully-staffed digital wellness platform. That organization has the infrastructure, the compliance framework, and the decade-plus track record. We're the ones who bring it to you.
Our job is to help you understand if your company qualifies, calculate your exact savings, and make sure enrollment goes smoothly. You get the program's full credibility and infrastructure - with a dedicated advisor in your corner.
The Program
CovaHealth's Role
- Qualify your company and run your savings estimate
- Coordinate enrollment with the program provider
- Be your point of contact throughout the process
- Answer employee and HR questions as they come up
The program is used by companies including
How to Present This to Leadership
Three questions your CFO or CEO will ask - with straightforward answers.
What does this cost us?
Nothing out of pocket. The program is funded by the FICA tax savings it generates. The administration fee is more than covered by what you save.
Is this legal?
Yes. It operates under IRS Section 125, IRC 106(a), ERISA, HIPAA, and ACA. Plan documents and audit protection are included.
Will this disrupt anything?
No. It integrates with your existing payroll and doesn't change your current benefits. Employees see more coverage - same net pay.
More questions? See the full FAQ
What Happens After You Submit
No sales pressure. Just a clear picture of what your company could save.
Submit your info
Takes about 2 minutes. We just need your name, company, and employee count.
Discovery call
A quick 15-minute call to learn about your workforce, payroll setup, and current benefits.
Your custom savings report
We run the numbers and send you a personalized estimate of exactly how much your company would save.
Enrollment - on your timeline
If it makes sense, we handle setup. No disruption to your existing benefits, no open enrollment required.
Get Your Free Savings Estimate
No commitment. We'll calculate your exact savings and walk you through how it works.
Common Questions
Is this really at no cost to my employees?
Yes. The program restructures existing compensation so employees receive additional benefits without any change to their net take-home pay.
If this is so good, why doesn't every company do it?
Most companies simply haven't heard of it. It's offered through HR advisors, not traditional insurance brokers or software platforms. That's the only reason it isn't universal.
What do employees actually see on their paystub?
A wellness program deduction and a matching non-taxable reimbursement - net pay stays the same. They also receive benefit ID cards and coverage documents. We provide communication materials to help you introduce it.