In the competitive business environment of today, minimizing overhead without sacrificing value is a priority strategy for innovative employers. Healthcare expenses, particularly, remain the bane of margins and burden HR departments. But suppose it were possible to lower your business’s healthcare expenditures while improving worker benefits without paying more.
That’s where Section 125 comes in. More specifically, that’s where the Lumara Plan offers a game-changing alternative.
Lumara was built around one simple idea: employees deserve better support, and employers deserve better margins. With our fully managed, fully compliant plan, your company can unlock meaningful tax benefit for medical insurance and boost employee wellness—without making changes to your existing benefits or reducing anyone’s paycheck.
Let’s explore how this works—and why more than 40,000 employees are already enrolled in our program.
What Is a Medical Section 125 Plan?
A Section 125 plan—commonly known as a “cafeteria plan”—allows employees to use pre-tax dollars to pay for eligible medical, dental, and vision expenses. This lowers their taxable income and reduces the employer’s payroll tax burden.
But traditional Section 125 plans only go so far. They often lack depth, support, and structure. That’s why the Lumara Plan doesn’t stop at Section 125—it leverages Section 125 as part of a broader, integrated solution designed for today’s modern workforce.
The Lumara Plan: Beyond Traditional Section 125
The Lumara Plan combines:
- Medical Section 125 tax strategies
- A Preventative Care Management Plan (PCMP)
- A Specialized Insurance Medical Reimbursement Plan (SIMRP)
- Automated enrollment, management, and compliance tools
This creates a fully managed solution that delivers maximum value to both employers and employees. With no out-of-pocket cost, no disruption to current benefits, and a 30–45 day rollout, it’s a smart way to solve a costly problem—without adding more work to your team.
Employer Benefits of the Lumara Plan
Employers often miss out on thousands in payroll tax savings each year. The Lumara Plan helps reclaim that money—while strengthening your workforce at the same time.
Save ~$600 per employee annually
That’s about $60,000 in tax benefit for medical insurance per 100 employees—directly back into your business’s budget.
No added cost
You don’t pay anything to launch, run, or maintain the Lumara Plan. It’s built to save, not spend.
$1,400 average claims savings over 3 years
By promoting preventive care and proactive health support, Lumara helps lower insurance claims over time.
Fast, seamless implementation
In just 30–45 days, your business can be up and running with the Lumara Plan, without slowing down operations or overloading HR.
Improve retention and employee satisfaction
Your employees receive real, valuable health benefits at no cost to them or the company. It’s a loyalty booster with real ROI.
Employee Benefits of the Lumara Plan
Employees often struggle with rising healthcare costs and limited coverage options. The Lumara Plan addresses these issues—without touching their current paycheck.
3–4% increase in net pay
Thanks to pre-tax deductions, most employees see a $100+/month increase in take-home pay—without any changes to their base salary or benefits.
$0 Copay Telehealth & Wellness Services
Access to round-the-clock telehealth providers, wellness coaching, and mental health support—all with no out-of-pocket cost.
Mental Health, Addiction & Counseling Services
Real-time help for real-life challenges. The Lumara Plan offers comprehensive emotional support, confidential and accessible 24/7.
Mayo Clinic Tools & Health Dashboard
Employees can proactively manage their health using trusted resources from one of the world’s leading medical institutions.
Universal Life, Disability & Critical Illness Coverage
The Lumara Plan provides robust protection against life’s “what-ifs,” including enhancements for spouses and dependents.
Why Most Companies Are Missing Out
Most employers unknowingly waste thousands in payroll taxes each year simply by not using a modern medical Section 125 strategy. At the same time, their employees miss out on tax-free health benefits that could dramatically improve their well-being.
That’s why the Lumara Plan is different.
We created a system that reclaims that wasted money, reinvests it into your people, and keeps both employer and employee ahead. It’s fully compliant, fully automated, and requires no plan changes to your existing benefits.
This isn’t just a theory—it’s already working for more than 40,000 employees. And it can work for you.
The Smarter Way to Offer Benefits
Supporting your team shouldn’t require higher costs or more HR complexity. With the Lumara Plan, you can:
- Save tens of thousands in payroll tax
- Help employees increase their take-home pay
- Offer enhanced medical and wellness benefits
- Keep your current insurance and benefits intact
- Automate compliance and eliminate admin stress
This is what modern employer thinking looks like. Benefits without burden. Culture without compromise.
Why Lumara?
At Lumara, we don’t just offer compliance and tax savings—we help you become the kind of employer that employees want to stay with.
We believe in:
- Eliminating tax waste
- Strengthening culture through care
- Improving margins without reducing support
- Simplifying benefits without sacrificing quality
The Lumara Plan is our commitment to helping you win—both financially and culturally.
Ready to Lower Healthcare Costs the Smarter Way?
Let’s put the Lumara Plan to work for your business.
Request your free proposal today by talking with an expert and discover how much you can save, starting now.
