Payroll taxes aren’t just a line item; they’re a major cost center. If you’re an employer looking to cut expenses without cutting benefits, the solution might be simpler than you think.
Enter the Lumara Plan, a fully managed health and wellness program built on the power of a cafeteria health plan, also known as a Section 125 plan. But this isn’t your average tax savings strategy. It’s a complete, compliant solution designed to benefit both your bottom line and your employees.
What Is a Cafeteria Health Plan?
A cafeteria health plan (under Section 125 of the IRS code) allows employees to pay for qualified medical expenses using pre-tax dollars. This reduces their taxable income and, in turn, lowers your payroll tax obligations as an employer.
But the Lumara Plan goes far beyond tax savings. It combines Section 125 with two integrated components:
- Preventative Care Management Plan (PCMP)
- Specialized Insurance Medical Reimbursement Plan (SIMRP)
Together, these create one of the most powerful employee benefit programs available, fully managed, automated, and cost-free to implement.
Turning Payroll Tax Savings into Strategic Growth
For most businesses, payroll taxes feel like a fixed expense that simply can’t be reduced. But with the Lumara Plan, what was once a cost burden can be turned into a strategic advantage. By leveraging a cafeteria health plan under Section 125, you not only trim $600–$800 per employee in payroll tax liability but also free up real capital that can be redirected into growth initiatives.
Imagine having an extra $80,000 annually if you employ 100 staff members. That isn’t just a number; it’s the equivalent of a new marketing campaign, upgraded technology, or even funding additional hires to strengthen your operations. The Lumara Plan’s automation ensures these savings flow directly to your bottom line, without extra administrative work or hidden costs. Instead of cutting benefits or increasing employee contributions, you’re creating a win-win framework: employees enjoy enhanced healthcare access while you secure recurring financial savings.
This is how modern businesses achieve financial resilience: by adopting tax-smart, compliant solutions like the Lumara Plan.
How Lumara Helps Employers Save More
With the Lumara Plan, employers can unlock significant savings:
- Save $600–$800 per W-2 employee annually
- Cut total healthcare spend by 5–10%
- Reduce claims by up to $1,400 over 3 years
- No out-of-pocket cost to enroll
- Fully automated rollout in 30–45 days
- Boost retention and morale with better benefits
That means if you have 100 employees, you could save up to $80,000/year, without touching your existing health plan or provider relationships.
Why Employees Actually Value the Lumara Plan
A benefits program only works if employees truly use and appreciate it. The Lumara Plan is designed with this in mind, going beyond financial perks to provide meaningful, everyday health resources. Employees see a 3–4% boost in take-home pay, an increase that feels like a real raise without the company shouldering higher wage costs.
On top of that, they gain access to practical, life-improving benefits at zero additional expense. From $0 copays on telehealth and urgent care to mental health counseling, addiction support, and family coverage, the Lumara Plan delivers services that touch nearly every part of an employee’s life. Wellness tools like Mayo Clinic programs, facial scan health dashboards, and stress management resources make health more proactive than reactive.
When employees feel supported both financially and personally, retention naturally improves. That translates into reduced turnover costs for employers and stronger team morale overall. In short, Lumara isn’t just another health plan—it’s a culture-building benefit that employees genuinely value.
A Cafeteria Plan That Gives Employees More Too
Your team gets more than just tax savings. The Lumara Plan is packed with benefits that directly impact employee wellness and satisfaction:
- 3–4% increase in net pay (up to ~$100/month)
- $0 Copay for Telehealth, mental health, and addiction care
- Spousal and Dependent Coverage
- 24/7 Virtual Care Access
- Mayo Clinic Tools & Facial Scan Health Dashboard
- Diet, Stress & Lifestyle Programs
- Couples Counseling and EAP Support
It’s an employee health benefits program that’s actually used and valued.
Why Lumara Health?
With more than 60,000 employees enrolled, Lumara Health is helping companies nationwide transform their benefits strategy. The Lumara Plan makes it easy to offer compliant, automated, and zero-cost health benefits that your team will thank you for, while you enjoy real savings.
Start Saving with the Lumara Plan
If you’re ready to stop overpaying on payroll taxes and start delivering standout benefits, it’s time to explore the Lumara Plan.
Book your 10-minute consultation today and discover how a modern cafeteria health plan can put thousands back into your budget, without changing your core health coverage.
