No. 01Fc
Federal FICA savings
Save $1119–$1186 per W2 employee per year. A 200-person manufacturer saves over $220,000 annually — significant bottom-line impact.
[ States ]Michigan
Strengthen benefits. Cut taxes.
Save $1119+ per employee per year in FICA taxes with comprehensive preventive care benefits — built for Michigan's manufacturing, automotive, and skilled trades workforce, 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 ]Manufacturing State
Win the trades race.
Michigan's identity is built on manufacturing — and that industry's workforce demands are more intense than ever. The automotive sector, EV production, advanced manufacturing, and the supply chain companies that support them all need skilled workers, and they need them now. But offering competitive benefits through traditional group health insurance can cost $15,000–$22,000 per employee annually, straining tight margins for suppliers, contractors, and mid-sized manufacturers.
The Preventive Care Benefits Program gives Michigan employers a practical solution: telemedicine, 1,000+ preventive prescriptions, $150,000 in life insurance and AD&D coverage, mental health support, and more — all with no out-of-pocket expenses. For workers in physically demanding roles, the $150K life insurance and AD&D coverage alone can be a major draw.
Whether you're a Tier 1 automotive supplier in Detroit, a furniture manufacturer in West Michigan, or a healthcare system in the Upper Peninsula, the program scales to your workforce and integrates seamlessly with your existing payroll.
No. 02Su
Michigan SUI reduction
Michigan's SUI is calculated on taxable wages. Pre-tax deduction structure reduces your SUI-taxable payroll, compounding savings beyond federal FICA.
No. 03Ze
No out-of-pocket cost
No premiums, no contributions, no out-of-pocket expenses. Funded through pre-tax payroll restructuring and pays for itself from day one.
No. 04Cv
Comprehensive benefits
Telemedicine, 1,000+ preventive prescriptions, $150K life insurance, AD&D, mental health, dental and vision discounts. Implementation in 2-3 weeks.
[ 02 ]Mechanics
How it works for Michigan.
The Preventive Care Benefits Program is a Self Insured Medical Reimbursement Program (SIMRP) structured under IRC §105(b), §125, and ACA guidelines. It covers full-time W2 employees earning $26,000 or more annually — which includes the vast majority of Michigan's workforce across automotive, manufacturing, healthcare, technology, and professional services.
A pre-tax payroll deduction reduces each employee's taxable income, lowering both employer and employee FICA obligations. Employees are then reimbursed post-tax for the full deduction amount, so their take-home pay stays exactly the same. For Michigan's manufacturing and skilled trades employers, this means you can offer a benefits package that rivals much larger competitors — without spending a dime.
Our team handles all plan documentation, compliance, enrollment, and ongoing administration. There's no disruption to your existing payroll or benefits setup, and you can be up and running in as little as 2-3 weeks.
[ End ]
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