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Federal FICA savings
Save $1119–$1186 per employee per year in federal FICA taxes. With no state income tax, FICA savings deliver the highest-impact payroll tax reduction for Florida employers.
[ States ]Florida
Where FICA savings hit hardest.
With no state income tax, FICA is your primary payroll tax burden. Save $1119+ per employee per year while offering comprehensive benefits with no out-of-pocket expenses.
01 · Annual Savings
$1,119+
Per W2 employee · employer FICA
02 · Employer Cost
$0
No out-of-pocket expenses
03 · Prescriptions
1,000+
Preventive care Rx covered
04 · Life Insurance
$150K
Group term · per enrolled
05 · Implementation
2–3 wk
Enrollment to active
[ 01 ]No-Income-Tax Math
Maximum tax impact.
Florida's economy runs on hospitality, healthcare, construction, and tourism — industries with large hourly workforces where traditional group health insurance is often prohibitively expensive. With no state income tax, the 7.65% federal FICA rate is the dominant payroll tax expense for every W2 employee.
The Preventive Care Benefits Program gives Florida employers a direct way to reduce that FICA obligation while offering employees meaningful benefits. Workers receive comprehensive preventive care — including telemedicine, 1,000+ prescriptions, $150K life insurance, and mental health support — with no out-of-pocket expenses to either the employer or the employee's take-home pay.
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Built for service workforces
Florida's hospitality, healthcare, and construction industries have large hourly workforces that rarely receive benefits. This program changes that — with no out-of-pocket expenses to the employer.
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No out-of-pocket cost
No premiums, no setup fees, no out-of-pocket expenses. The program pays for itself through tax savings from day one — ideal for margin-conscious Florida businesses.
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Comprehensive benefits
Employees receive 1,000+ preventive prescriptions, telemedicine, mental health counseling, $150K life insurance, and more — helping you attract and retain workers in Florida's competitive market.
[ 02 ]Mechanics
How it works for Florida.
The Preventive Care Benefits Program is a Self Insured Medical Reimbursement Program (SIMRP) structured under IRC §105(b), §125, and ACA guidelines. It's designed for W2 employees earning $26,000 or more annually — covering workers across Florida's key industries including hospitality, healthcare, construction, tourism, and professional services.
Implementation takes just 2-3 weeks. Our team handles all plan documentation, compliance filings, and employee enrollment. The program works alongside your existing payroll provider and any health insurance plans you already offer.
Employees see no change to their take-home pay while gaining access to comprehensive preventive care benefits. Your company saves on every payroll cycle through reduced federal FICA obligations.
[ End ]
Ready to save on employer payroll taxes?
Schedule a complimentary discovery call. We project your exact savings, walk through compliance, and answer every question.