Biz Savings

BizCare360: Smarter Benefits. Bigger Savings.

The smarter way to expand benefits and reduce taxes.

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What If Your Employees Got a Raise… And It Cost You Nothing? In Fact — It Saves You Money. The IRS Built This Into The Tax Code.

Introducing The BizCare360 Methodology — Where Smarter Benefits Meet Bigger Savings.

With BizCare360, businesses save an average of $639 per employee every year — while employees take home more money and gain access to expanded healthcare benefits. You keep your existing broker and insurance policies. Nothing changes except your bottom line. Everybody wins.


See Your Tax Savings See How It Works →

What is the BizCare360 Program?

How Smart Businesses Are Turning Tax Code Into A Competitive Advantage — For Themselves And Their Teams.


BizCare360 is a powerful, IRS-compliant benefits program built on established tax code principles. We’ve taken proven tax frameworks and packaged them into a straightforward, turnkey solution designed for businesses with 10 or more employees.


Here’s what sets BizCare360 apart:


Real Tax Savings:

Reduces your payroll tax burden immediately — saving businesses an average of $639 per enrolled employee every year.

Built-In Compliance:

Fully structured under IRS Sections 105 and 125 — so your business stays compliant ready from day one.

Upgraded Employee Benefits:

Employees gain access to comprehensive wellness coverage and supplemental health resources — at zero cost to them.

With BizCare360, your business can…
Lower Costs, Reward Employees, and Grow With Confidence
using a benefits strategy that is fully compliant, easy to implement, and built to last.

Calculate Your Payroll Tax Savings

How the BizCare360 Methodology Works: A Step-by-Step Guide to Smarter Benefits.

1
Section 106(a) Wellness Plan Covers wellness benefits tax-free, excluding them from employees’ gross income.
2
Section 125 Cafeteria Plan: Allows employees to make pre-tax contributions, reducing taxable income.
3
Section 105(b) BizCare360 Plan: Provides tax-free reimbursements for medical expenses.
4
Section 213(d): Qualified Health Expenses: Defines eligible medical expenses for tax-free reimbursement—preventive and wellness care.
5
Qualified Health Plan (QHP): Existing qualified health plan or Minimum Essential Coverage (MEC) to satisfy ACA requirements.

See What BizCare360 Could Save Your Business

Most companies do not realize how much payroll tax savings may already be available through a properly structured benefits strategy.

$639

Average annual savings per enrolled employee

10+

Ideal for businesses with 10 or more employees

Run Your Savings Estimate
Why Congress Created This Program

At BizCare360.health, we believe every business deserves smarter benefits:

BizCare360: Lower Costs. Better Benefits.

Why Businesses
Choose BizCare360

Convert payroll tax dollars you already owe into a powerful employee benefits strategy that helps attract, retain, and reward your team.

BizCare360 is not a supplemental benefits product — it is a nationwide virtual healthcare ecosystem and financial strategy designed to enhance employee wellbeing while improving employer economics.

The result: stronger employee engagement, improved healthcare utilization, enhanced retention, and lower overall employer costs — without sacrificing quality of care or benefits.

Reduce What You Pay in Taxes:
  • Businesses recover an average of $639 per enrolled employee each year through reduced FICA obligations.
  • Lower taxable payroll may also shrink your workers’ compensation premiums — an added bonus many clients don’t expect.
Win the War for Great Employees:
  • Give your team access to valuable supplemental coverage — accident, disability, and more — at no cost to them.
  • When employees feel taken care of, they stay longer and work harder. It’s that simple.
Stay Compliant Without the Headache:
  • Every BizCare360 enrollment is built on IRS Sections 105 and 125 — keeping your business fully protected.
  • We manage the compliance details so your HR team can focus on what they do best.
Build a Healthier, More Productive Team:
  • Employees with access to preventative care and mental health support miss fewer days and bring more to the table.
  • Reduced absenteeism and higher morale translate directly into better business performance.

Tired of watching healthcare costs eat into your margins?

BizCare360 flips the script — turning a tax burden into a benefit your employees will actually notice and appreciate.

See How Much Your Business Could Save

At BizCare360.health, we believe every business deserves smarter benefits:

BizCare360: Lower Costs. Better Benefits.

How BizCare360 Works

FOUR SIMPLE STEPS TO SMARTER BENEFITS

From Your First Conversation To Your First Savings Cycle — BizCare360 Makes The Process Straightforward From Start To Finish.

BizCare360 takes the complexity out of benefits administration and puts the savings directly back into your business. Here’s exactly how it unfolds:

STEP 1:
Compliance Setup
We establish your BizCare360 plan under IRS-approved Section 105/125 guidelines — ensuring everything is properly structured and compliant ready before a single employee enrolls.
STEP 2:
Payroll Integration
Pre-tax benefit deductions are woven into your existing payroll process, triggering immediate FICA savings for your business with every pay cycle.
STEP 3:
Employee Enrollment
Enrolled employees are activated on the BizCare360 wellness platform — giving them instant access to virtual care, prescriptions, mental health services, and more.
STEP 4:
Savings Start Flowing
From the very first payroll run, your business starts accumulating FICA savings. Employees see more take-home pay. Retention improves. Everyone benefits.
Compliance
First.
Payroll
Integration
Employee
Activation
Savings +
Retention

With BizCare360, your business can…

Lower Costs, Reward Employees, and Grow With Confidence

using a benefits strategy that is fully compliant, easy to run, and built to deliver real results.

At BizCare360.health, we believe every business deserves smarter benefits:

BizCare360: Lower Costs. Better Benefits.

BIZCARE360

A COMPLETE WELLNESS PLATFORM BUILT INTO EVERY BIZCARE360 ENROLLMENT

Real Healthcare Access That Reduces Sick Days, Boosts Morale, And Keeps Your Team Performing At Their Best.

BizCare360 and BizCare360 work together as a single, unified solution — giving you the tax advantages of our benefits program and the wellness resources your employees actually need and use.

Most benefits programs offer paperwork. BizCare360 offers results. By pairing our tax-efficient framework with the BizCare360 wellness platform, we deliver something rare: a program that saves money for the business and genuinely improves life for employees.

Here’s what that means in practice:

Full Compliance. Zero Guesswork.

BizCare360 is built on IRS Sections 105 and 125 — the same code that’s been protecting businesses for decades. Your enrollment is structured from day one to keep you compliant, well-documented, and saving up to $639 per employee each year.

Wellness That Actually Gets Used:

Self-insured employers face rising healthcare costs and low virtual care utilization.

BizCare 360 redirects care outside the major medical plan through our BizCare360 virtual care clinic, connecting employees to the care they need with 24/7 telehealth, mental health counseling, and preventative care resources.

Keep Great People Longer:

In today’s job market, benefits are a deciding factor. BizCare360 gives you a competitive edge — offering meaningful coverage that money-conscious employees notice and appreciate, reducing costly turnover and keeping your best people in place.

Up and Running in Days, Not Months:

BizCare360 is designed to drop into your existing operations without friction. No new systems. No HR overload. Our team does the heavy lifting so your business starts saving as quickly as possible.

The Simple Explanation: Why Does This Work?

BizCare360 is built on two well-established areas of the tax code:

  • Section 105 — Lets employers reimburse employee medical costs on a tax-free basis, generating savings for both parties.
  • Section 125 — Creates the structure for pre-tax payroll contributions, reducing taxable income while improving benefits access.

When you combine them:

  • BizCare360 reduces your taxable payroll and funds supplemental health coverage simultaneously.
  • BizCare360 builds on that foundation with wellness tools that improve employee health and productivity day to day.

“The result is a fully compliant, cost-neutral program that delivers real, measurable value to your business and your team.”

This isn’t just a perk —
it’s a strategic advantage that turns a tax obligation into a tool for growth, retention, and employee satisfaction.

$639

Avg. FICA savings per employee / year

3,000+

Businesses enrolled nationwide

5M+

Members covered

30%

Possible workers’ comp reduction

$0

Net cost to participate

Real Businesses. Real Results.

See How Companies Like Yours Are Cutting Costs, Boosting Benefits, And Making HR’s Life Easier

Case Study 1

Small Mid West Plumbing Co. Saves Big & Takes Care Of Their Team With A Self-Insured Medical Reimbursement Plan

Business Type: Plumbing Services  |  Location: Illinois, USA

THE CHALLENGE

Rising healthcare costs were eating into profits and making it harder to compete for skilled plumbers. The owner wanted a better benefits solution that would help retain his team without breaking the budget.

THE SOLUTION

We implemented a Self-Insured Medical Reimbursement Plan (BizCare360) that gives employees real benefits and the company cost control. Setup was simple, fully compliant, and we handled the entire process from start to finish.

THE RESULTS

Each participating employee received an instant pay increase without the company contributing.
Saved thousands of dollars on FICA taxes that were being lost each month.
Stronger retention, happier team, and zero increase to payroll.
More control, more flexibility, and better benefits for our people.

Lower costs. Happier employees. A stronger company.
That’s the power of BizCare360.

Pioneer Plumbing Team

BizCare360 has been the perfect solution we have been looking for. We’re saving thousands each month, our team loves the benefits, and we can finally offer something great without increasing our costs. It’s a win win for everyone.

★★★★★

Greg Muehlfeld, Owner

Case Study 2

Gold Coast Cadillac Cuts Costs, Attracts Top Talent & Delivers Better Benefits With A Self-Insured Medical Reimbursement Plan

Business Type: Automotive Dealership  |  Location: New Jersey, USA

THE CHALLENGE

Skyrocketing health insurance premiums, high deductibles, and limited plan options were driving up costs and making it harder to hire and retain top talent in a competitive market. As a result, the dealership was losing great people and watching profits shrink.

THE SOLUTION

Gold Coast Cadillac implemented a Self-Insured Medical Reimbursement Plan (BizCare360) that reimburses employees for qualified medical expenses tax-free. The plan is fully compliant, easy to manage, and gives employees real benefits they value — without increasing overhead or adding risk.

THE RESULTS

Instant Impact for Employees: Each participating employee received an instant pay increase without the company contributing.
Significant Tax Savings: Saved thousands of dollars on FICA taxes that were being lost each month.
Stronger Team, Lower Turnover: Better benefits helped attract top talent and improve retention across sales, service, and administration.
Lower Costs, Higher Control: Reduced overall benefit costs while providing more flexibility and choice for employees.

Lower costs. Happier employees. A stronger dealership.
That’s the power of BizCare360.

Gold Coast Cadillac

BizCare360 has been a game changer for Gold Coast Cadillac. We’re saving money, our team is healthier and happier, and we’ve never been more competitive in the market.

★★★★★

General Manager, Gold Coast Cadillac

Case Study 3

KSS Immersion Schools Strengthens Their Mission by Saving Big & Providing Better Benefits With a Self-Insured Medical Reimbursement Plan

Business Type: Private Education  |  Location: Multiple Campuses in the U.S.

THE CHALLENGE

Rising healthcare costs were putting pressure on the school’s budget and limiting resources for teachers, programs, and student success. Traditional health plans offered little flexibility, high costs, and benefits that staff didn’t always value or use.

THE SOLUTION

KSS Immersion Schools implemented a Self-Insured Medical Reimbursement Plan (BizCare360) that reimburses employees for qualified medical expenses tax-free. The plan is fully compliant, easy to manage, and gives employees real benefits they value — while giving the school cost control and long-term sustainability.

THE RESULTS

Instant Impact for Employees: Each participating employee received an instant pay increase without the company contributing.
Significant Tax Savings: Saved thousands of dollars on FICA taxes that were being lost each month.
Stronger Team, Higher Retention: Better benefits helped improve teacher satisfaction and retention across all campuses.
Lower Costs, More Control: Reduced overall benefit costs while giving staff more flexibility and choice.

Lower costs. Happier employees. A stronger school.
That’s the power of BizCare360.

KSS Immersion Schools

BizCare360 helped us take better care of our amazing staff while being responsible stewards of our resources. We’ve saved money, strengthened our team, and stayed true to our mission.

★★★★★

Chief Operating Officer, KSS Immersion Schools

Is Your Business Eligible for Smarter Benefits?

Find out in just a few clicks if the BizCare360 methodology is the right fit for your company.

The BizCare360 methodology is designed for businesses with 10 or more employees. Use our quick eligibility checker to see how much you could save and what benefits you can unlock.

Take the first step toward saving thousands in payroll taxes and creating a benefits package that employees love.

Contact Us

Let’s Connect To Discuss Smarter Benefits For Your Business.

Our team is here to help you save money, stay compliant, and create a benefits package your employees will love.

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