Business Solutions
FICA Savings Plan
Our preventive health benefits plan helps employers expand access to care while reducing healthcare-related costs for both the business and its employees. Structured around established tax rules, the plan improves payroll tax efficiency while increasing employee utilization of care.
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Overview
The Preventive Care Benefits Plan combines pre-tax payroll structuring with a comprehensive set of preventive healthcare services.
By lowering taxable wages and reallocating those savings, employers reduce FICA tax exposure while employees gain access to essential care.
Services such as virtual primary care, urgent care, mental health support, and prescription coverage are delivered through a centralized platform. The plan can complement existing coverage or function as a stand-alone solution, while remaining fully compliant with 213(d) guidelines.
Proven Experience, Measurable Impact
Net FICA tax savings per employee / year. Realized with every payroll cycle, not a one-time credit.
Average employee tax savings per month. Used to fund employee benefits at no added cost.
Min. eligibility (from $26K income). Applies to full-time W2 employees who qualify.
Plan Overview
Our team of engineers and tax professionals will perform free assessments to prequalify your project.
Employee Eligibility
Full-time employees working 30 hours per week on average and making a minimum of $26,000 per year would be eligible for the program.
Employer
On average, employers see a net FICA tax savings of up to $1,186 per full-time W2 employee per year. This is a tax savings, not a credit. The savings are realized each time payroll is run. For a company running bi-weekly payroll, that equates to approximately ~$45 in savings per employee each pay period.
Employee
On average, employees realize $250-$350 in tax savings per month. These savings are then repurposed to fund benefits.
How It Works
How the Savings Work
The program applies a fixed pre-tax deduction to each participating employee's paycheck. This lowers taxable wages, which reduces the employer's FICA tax liability. The FICA rate remains 7.65%, but it is applied to a lower amount of gross taxable income. The employee then receives a non-taxable post-tax reimbursement that restores take-home pay, while the tax savings are used to subsidize benefits.
Pre-Tax Deduction
A fixed pre-tax deduction lowers taxable wages.
Employer FICA Savings
The same 7.65% FICA rate now applies to a lower gross taxable income amount.
Post-Tax Reimbursement
A non-taxable reimbursement restores take-home pay.
Benefits Are Funded
Employee tax savings are used to fund service provider fees and ancillary benefits.
Included Benefits
A Centralized Preventive Care Experience
The program provides all-in-one access to preventive and early-intervention services through a centralized platform, including urgent care, primary care, mental health, pharmacy, and weight health resources.
Additional Benefits
Potential Benefits for the Employee Enrolled
MEC (Minimal Essential Coverage)
Employees receive $0-copay primary care (3 visits/year), $0-copay access to 3,500 medications, and urgent care visits and Quest lab testing as allowed by available tax-savings funds.
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Learn MoreFAQ
Everything You Need to Know About the Plan
Does it replace current insurance?
Does it cost anything out of pocket?
Is it compliant?
Who is eligible to participate?
What services are included in the plan?
How quickly can a company implement the plan?
Implementation Process
A Quick and Simple 3-Step Process
Most companies are up and running within 2-3 weeks.
Discovery & Eligibility Review
We assess eligibility and potential savings.
Implementation & Payroll Setup
We handle the technical payroll setup process.
Employee Onboarding
Employees are enrolled through a guided digital onboarding process. Most companies are up and running within 2-3 weeks.
Founder
Ariocha Salas
Founder | Move Money Safely
Financial Consultant & Capital Gains Tax Strategist
For more than 30 years, Ariocha Salas has helped individuals and families make smarter financial decisions. Throughout his career in finance, real estate, and business, he recognized a common problem: people were making some of the biggest financial decisions of their lives without understanding all of their options.
That realization became the foundation for Move Money Safely.
"The more you understand before making a financial decision, the better positioned you are to protect what you've spent a lifetime building. My mission is to help people keep more of what they've earned by putting education first."
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See What Your Team Could Gain
Discover how preventive care benefits, payroll tax efficiency, and employee wellness support can work together, without disrupting current coverage.