In today’s evolving regulatory environment, businesses are facing increasing pressure to provide more robust health plan and benefits while also managing rising costs. From changes in tax rules to growing compliance requirements, the latest healthcare regulations are reshaping how employers approach benefits, and the impact on your business’s bottom line is more significant than ever.

But here’s the good news: the Lumara Plan is purpose-built to help employers not just adapt to these changes, but turn them into a powerful advantage.

Let’s break it down.

Understanding the Shift: What’s Changing in Healthcare Regulations?

New federal guidance around preventative care, tax savings, and employee wellness has led to stricter oversight and bigger opportunities for employers who know where to look.

Key changes include:

• Greater IRS scrutiny on traditional Section 125 plans and fringe benefit compliance
• Increased expectations for mental health access and wellness support under the Affordable Care Act (ACA)
• Expanded tax advantages tied to employer-sponsored medical reimbursement plans
• Push for automation and reporting transparency, especially for companies with large workforces

Businesses that continue using outdated, stand-alone Section 125 plans are not only leaving money on the table—they may also be risking compliance penalties. That’s where the Lumara Plan steps in.

Meet Lumara: A Smarter, Compliant, Cost-Free Solution

Lumara was founded on a simple principle: employees deserve stronger support, and employers deserve greater margins.

The Lumara Plan is not just a traditional Section 125 plan. It leverages Section 125 while combining it with:

• A Preventative Care Management Plan (PCMP)
• A Self Insured Medical Reimbursement Plan (SIMRP)

Together, these three elements form one of the most compliant and benefit-rich programs available today.

Key Lumara Employer Benefits:

• Save ~$600/year per W2 employee
  (That’s $60,000 for every 100 employees—without spending a dime.)
• No out-of-pocket cost
• Reduce healthcare claims
  (Average savings of $1,400 over three years)
• Fast, automated implementation in  4-6 weeks
• Boost retention and performance with stronger, family-first benefits
• Immediate bottom-line impact

This is real money, without touching your current medical plan or increasing administrative work.

What Do These Changes Mean for Your Business’s Bottom Line?

Let’s get specific. If you’re a business with 250 employees:

• You could save $150,000 per year in taxes
• You could see a 30% reduction in healthcare claims over three years
• You could offer better, tax-free benefits that increase employee satisfaction
• All without impacting employee take-home pay.

That’s the power of the Lumara Plan—a fully managed, hands-off approach to compliance and benefits. It’s also a very powerful medical plan and taxes for all employees and employers. 

Employee Wins: Healthier Teams, Happier Staff

The latest regulations also encourage businesses to go beyond standard benefits. Employees expect more, and Lumara delivers.

Key Employee Benefits with the Lumara Plan:

• 3–4% net paycheck increase (~$100/month)
• $0 copay for 24/7 Telehealth (doctors, nurses, wellness coaching)
• Mental health and addiction support
• Access to Mayo Clinic wellness tools & personal health dashboard
• Universal Life, Disability, and Critical Illness coverage
• Spouse & dependent enhancements included
• No changes to current insurance plans. No reduction in take-home pay. Just more value for everyone.

And employees feel it. More than 40,000 employees are already enrolled and seeing results.

How the Lumara Plan Helps You Stay Compliant?

One of the most important updates to recent healthcare regulations is the emphasis on transparency and employer accountability. The Lumara Plan is built to meet and exceed those standards through:

• Automated compliance monitoring
• Complete documentation and reporting for IRS and DOL audits
• Data security protocols that meet HIPAA and HITECH regulations

You don’t have to be a tax expert or legal advisor—Lumara handles the heavy lifting for you.

How Is Lumara Different from a Typical Section 125 Plan?

Here’s the key difference: A traditional Section 125 plan focuses only on pre-tax deductions.

The Lumara Plan does that and so much more by:

• Providing preventative care support through PCMP
• Offering medical reimbursement for qualified expenses through SIMRP
• Ensuring employee-friendly access to services at no cost
• Delivering IRS-compliant, audit-ready solutions with automated support

So, while others rely on a dated approach, Lumara gives you a forward-thinking solution that’s built for today’s healthcare landscape.

Why Businesses Are Making the Switch?

Forward-looking employers are realizing that they can:

• Build stronger teams by offering meaningful, no-cost benefits
• Boost loyalty and culture without spending more
• Create a family-first workplace with benefits that employees truly value
• Protect their business margins by using the tax code more efficiently

In other words, the Lumara Plan is helping businesses turn regulations into revenue.

Real Results. No Risk. No Cost.

With no change to current medical plans, no employee pay reductions, and no out-of-pocket cost, there’s zero downside.

And with savings of up to $600 per W2, reduced claims, and happier teams, the upside is massive.

It’s not too good to be true—it’s just a smarter plan.

Take the Next Step: Secure Your Savings

Want to see what the Lumara health plan and benefits could do for your company?

Book your 10-minute consultation and get a personalized analysis of your potential payroll tax savings, implementation timeline, and employee benefit upgrade.

Get a free proposal today and discover why more than 40,000 employees have already made the switch.

Visit our website to learn more.

Strong teams start with care. Support yours smarter benefits—at zero cost.