Offering your first medical plan for employees can feel like navigating a maze, especially when you’re balancing the growing needs of your team with the financial realities of running a business. But what if you could deliver meaningful, tax-free health benefits without changing your current plan, increasing costs, or reducing employee take-home pay?
That’s exactly what the Lumara Plan is designed to do.
Built on a fully managed framework that leverages Section 125 together with a Preventative Care Management Plan (PCMP) and a self insured medical reimbursement plan (SIMRP), the Lumara Plan turns traditional thinking on medical plans and taxes upside down. It helps small and mid-sized employers unlock tax savings, improve employee well-being, and implement a fully compliant strategy—without the usual stress or expense.
Let’s walk through how you can go from uncertainty to total confidence when choosing your first small group health plan.
Why Traditional Medical Plans And Taxes Don’t Always Work In Your Favor
For many small businesses, offering a medical plan for employees seems like the responsible next step. But traditional group health plan often comes with hefty premiums, complex administrative requirements, and limited flexibility. Employers are stuck spending more while employees often get less.
Even worse, most companies are unaware of a hidden cost in their payroll system: tax waste.
Every year, small businesses unknowingly overpay thousands in payroll taxes—money that could have gone toward employee support, business growth, or both. Meanwhile, employees are missing out on valuable tax-free benefits and smarter approaches to medical plans and taxes that could improve their lives.
The Lumara Plan was created to fix this disconnect and turn those missed opportunities into measurable wins.
The Smarter, Simpler Alternative: The Lumara Plan
The Lumara Plan is not a traditional health policy, and it’s not a basic Section 125 cafeteria plan either. Instead, it’s a comprehensive, compliant, and fully automated benefit program that combines the power of:
- Section 125 tax code advantages
- A Preventative Care Management Plan (PCMP)
- A self-insured medical reimbursement plan (SIMRP)
Together, these elements create one of the most benefit-rich, IRS-compliant health plans available to small businesses today.
How It Works:
- No cost to the employer
- No changes to existing group health plans
- No reduction in employee take-home pay
- Fast implementation (30–45 days)
- Fully managed for you—no heavy lifting required
It’s a smarter, more sustainable way to offer a medical plan for employees—and take a better approach to medical plans and taxes—without breaking your budget.
Key Benefits For Employers
When you implement the Lumara Plan, you’re not just offering a medical plan for employees—you’re building a healthier, more financially resilient business from the inside out.
Here’s how:
- Save ~$600 per employee per year in payroll taxes
That’s about $60,000 in annual savings for every 100 employees, without spending a dime. - No out-of-pocket cost to your business
The program is self-funded and powered entirely by tax savings. - Immediate bottom-line impact
Lower payroll tax liabilities from day one of implementation. - Quick and automated rollout
Get started in just 30–45 days with full onboarding support from our expert team. - Stronger employee retention and performance
When employees feel cared for, they stay longer, perform better, and help grow your business.
Key Benefits For Employees
Employees often think “benefits” mean higher paycheck deductions or limited real-world value. The Lumara Plan flips that expectation—delivering real support with zero trade-offs.
- 3–4% increase in net pay
Thanks to strategic tax savings, most employees see an extra $100/month, without changing their hours or job role. - $0 copay 24/7 Telehealth access
Doctors, nurses, health coaches, and wellness professionals are available on demand from anywhere. - Mental health and counseling support
Including addiction services, licensed therapists, and behavioral health resources. - Mayo Clinic wellness tools & dashboard
Access to world-class preventive health content and personalized tracking tools. - Universal Life, Disability, and Critical Illness coverage
Employees gain peace of mind with added financial protection at no cost. - Spouse and dependent coverage
Extend these valuable benefits to the people who matter most to your team.
It’s why more than 40,000 employees are already enrolled—and why so many teams feel better supported under Lumara’s smarter approach to medical plans and taxes.
From Confusion To Confidence: Why Employers Choose Lumara
Starting your first medical plan for employees can be overwhelming. But with the Lumara Plan, you’re not doing it alone. You’re getting a fully managed, ready-to-go solution that’s designed to:
- Cut through the noise of traditional benefits
- Eliminate hidden payroll tax waste
- Provide better-than-insurance support to your team
- Strengthen company culture, loyalty, and long-term retention
And you can do it all without changing your current coverage, without new costs, and without complicating your internal processes. This is what modern employer thinking looks like—and it’s helping companies across industries turn one of their biggest pain points into a long-term advantage.
The Tax-Smart Future of Employee Benefits
The days of overpaying for underused benefits are over.
By integrating Section 125 with a PCMP and a self insured medical reimbursement plan, the Lumara Plan gives small businesses a way to outsmart rising costs, boost employee morale, and reclaim lost tax dollars—while taking a more strategic approach to medical plans and taxes.
Whether you have 10 employees or 500, this plan scales with your growth and adapts to your business needs.
If you’ve been confused about how to support your workforce without sacrificing your margins, it’s time to feel confident and act with clarity.
Ready to Learn More?
Don’t settle for a plan that costs more and does less. Discover how the Lumara Plan can help your business save money and support your team, without the burden.
Get a free proposal today or book your 10-minute consultation to see if your business qualifies.