ASF Insurance Agency helps employers explore an additive health benefit structure designed to create potential payroll tax savings for the business, while helping participating employees reduce taxable wages and access practical health, pharmacy, and assistance resources.
Estimated employer savings per eligible employee per year in the program materials.
Designed around eligible benefit elections that may reduce taxable wages.
Built to work alongside existing benefits instead of replacing major medical.
Get a clear, no-obligation review of the tax-saving opportunity, employee benefit value, and compliance structure.
The structure is designed to help employers lower payroll tax costs while giving employees a benefit election that may reduce taxable income. Exact results depend on eligibility, participation, payroll, plan design, and each employer’s tax situation.
Program materials estimate approximately $680 in employer savings per eligible employee per year. The savings opportunity is generally tied to eligible pre-tax benefit elections that may reduce taxable payroll exposure.
Participating employees may be able to reduce taxable wages through eligible pre-tax benefit elections. That can help improve take-home pay while adding access to useful health, pharmacy, assistance, and advocacy resources.
The benefit is positioned as an add-on to existing employee benefits. Employers can explore a cost-saving strategy without asking employees to give up their current major medical plan.
Illustrative examples using the cited estimate of $680 per eligible employee per year. Your actual results must be reviewed.
10 employees
25 employees
50 employees
100 employees
The best savings conversations are backed by real employee value. This package combines tax-efficient structure with practical resources designed to support employees and their families.
Covered maintenance medications may be available through convenient home delivery, based on formulary rules and plan terms.
Materials describe access to commonly prescribed immediate-need medications for local pharmacy pickup when covered and clinically appropriate.
Employees and family members can receive support for stress, mental health, life events, financial questions, legal referrals, and work-life needs.
Members can use digital resources such as requests, chat options, articles, assessments, podcasts, and resource locators.
Employees can get help navigating insurance, doctor referrals, medical equipment, transitional care, discharge planning, and other everyday healthcare challenges.
Give employees a benefits story they can understand: potential tax savings, pharmacy support, confidential assistance, life resources, and health advocacy.
Home delivery options for covered long-term prescriptions.
Local pharmacy pickup options for common short-term medications.
Help with goals, transitions, relationships, balance, and personal obstacles.
Budgeting, debt, home buying, tax questions, identity theft, and planning.
Personal legal matters such as wills, estate planning, divorce, custody, and more.
Childcare, eldercare, adoption, housing, transportation, education, and pet care.
Insurance navigation, provider referrals, equipment help, and transition planning.
No pressure and no guesswork. Start with a short employer review to determine whether the tax structure, benefit package, and implementation process are a fit.
We review employee count, current benefits, payroll basics, and eligibility to understand the opportunity.
You receive a clear overview of potential employer savings and employee tax advantages based on your group.
We can help your benefits team, CPA, broker, or counsel review the structure and supporting materials.
If the program is a fit, the implementation process helps employees understand the benefit and how to use it.
Pharmacy access, assistance resources, and medical advocacy make the benefit easier for employees to understand and appreciate.
The provided compliance overview states that a formal legal review was completed for the program structure, including cafeteria-plan components, supplemental medical components, plan documents, agreements, and supporting materials.
Contact ASF Insurance Agency for a no-obligation review. We will explain the tax-saving structure, employee benefit value, pharmacy access, assistance resources, and compliance materials in plain English.
Important disclosure: This page is for general marketing and informational purposes only and is not tax, legal, medical, accounting, or benefits advice. Savings are not guaranteed and depend on eligibility, participation, payroll structure, plan design, tax circumstances, and applicable law. Employers should consult their CPA, tax advisor, benefits counsel, broker, or legal counsel before implementing any program. Medication availability, quantities, fulfillment, formulary coverage, and program terms may vary and should be verified before enrollment.
