A healthier workforce.
A lower tax bill.
No net cost.
Level Five Health PLUS is a fully HIPAA-compliant Medical Expense Reimbursement Wellness plan. Employers may save approximately $600 per employee, per year in FICA and Medicare taxes — and participating employees may actually see higher net take-home pay. Applicable program fees are generally covered by the tax savings the plan generates, so there's typically no net cost to your organization or your people.
Program design audited for IRS compliance by P L Legal Services · Up to $500,000 in employer legal protection
At a GlanceProgram Facts| Potential FICA & Medicare savings | ~$600 / employee / yr |
| Typical net cost to employer | $0 |
| Typical net cost to employee | $0 |
| Included wellness benefits | 8 programs, family access |
| Employer legal protection | Up to $500,000 |
| Eligibility | 10+ full-time W-2 employees |
Who is eligible? Any company in the U.S., including Puerto Rico, with at least 10 full-time W-2 employees (30 or more hours per week) and an ACA-compliant group health plan. Enrollment is available any time of year — no open-enrollment wait.
A comprehensive, world-class wellness program — typically at no net cost to employees
Every enrolled employee and their family gets access to a full suite of preventive care and well-being benefits through a single Personal Health Dashboard™ login.
Personal Health Dashboard™
Health tracking, risk resolution guidelines, assessments, medical library, and behavior modules — on any device.
Wholeistic™ Coaching
Unlimited, confidential one-on-one coaching by a registered nurse for you and your family's health.
Telemedicine
Unlimited 24/7/365 televisits with U.S. board-certified doctors. No co-pays, no surprise bills, whole-family access.
Employee Assistance Program
Confidential counseling plus legal, financial, and work-life consultations — video, chat, or phone, 24/7/365.
Identity Theft Protection
Monitors, alerts, and defends credit information for the entire household, with a $25,000 insurance policy.
Living 2.0 Health Apps
Science-based apps for relationship health, sober living, child development, PTSD recovery, and anxiety relief.
Stayhealthy® Benefit Package
Proprietary health apps, an e-learning library, and targeted solutions like Meno+ — all through one login.
Discount Prescriptions
Lower prescription drug costs, plus discounted biometric and DNA screening kits through the HealtheMall.
See what Level Five could mean for your company
Drag the slider to your employee count. Figures follow the program's published example — each qualified employee earning $2,600 gross per month — and every employer figure shown is already net of all program fees.
Example only, based on the program's published model: $2,600 monthly gross pay per qualified employee with a $1,200 pre-tax wellness premium. Employer figures reflect FICA & Medicare savings of 7.65% on reduced taxable wages, net of all program fees; employee figures use the program's published average. Actual results vary with wages, filing status, state taxes, and any other payroll deductions an employee may have, and neither Level Five Health Plus nor OnPoint Fast LLC guarantees any particular tax outcome. A more precise estimate is presented after a consultation with OnPoint specialists and a review of your employee census. By using this calculator, you agree to hold harmless OnPoint Fast LLC, its owners, officers, employees, agents, and affiliates from any claims arising from its use or reliance on its results.
For Employers Why businesses adopt it
- Significant cost savings — may save approximately $600 per employee annually in FICA and Medicare taxes. Applicable program fees are typically covered by those savings, so the plan generally operates at no net cost to the company.
- Talent attraction & retention — a world-class wellness package that strengthens your benefits offering.
- Streamlined administration — we assist in setting up and managing the plan for hassle-free operation.
- Reduced healthcare costs — preventive care and healthier lifestyles may lead to long-term reductions in healthcare costs.
- Compliance & legal protection — fully audited by P L Legal Services, with up to $500,000 in employer protection.
For Employees Why employees love it
- Increased take-home dollars — tax-advantaged deductions may mean more money in every paycheck.
- No net cost — the plan premium is designed to be offset through the program, so telemedicine, coaching, EAP, identity theft protection, and more typically come at no net cost to the employee.
- Whole-family coverage — most benefits extend to spouses and dependents.
- Less stress, better health — coaching and stress-management resources build real resilience.
- Lower healthcare costs — preventive care may mean fewer doctor visits, reduced admissions, and lower prescription expenses.
Built to withstand scrutiny
Legal Protection & Program Design
Designed and fully audited for IRS compliance by P L Legal Services, a law firm specializing in Section 125 cafeteria benefits — providing up to $500,000 in employer legal protection and $10,000 per enrolled employee in the event of a government audit.
HIPAA-Compliant Back Office
US Health Center serves as the HIPAA-compliant back office — ensuring strict confidentiality of employee health information while tracking usage, engagement, and compliance documentation.
Beyond IRS Requirements
The IRS requires 4 core compliance components; Level Five includes 7, with ongoing compliance scanning and detailed reporting available in the event of an IRS audit.
Plan design, documentation, and operations reviewed for compliance with ACA · IRC §105, §213(d), §125 · Rev. Rul. 69-154 · HIPAA Privacy & Security · ERISA
Ready to see your company's numbers?
Schedule a call today and our specialists will walk through eligibility, the take-home math for your people, and a precise savings estimate built from your employee census.
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