Most employers are paying payroll taxes they don’t have to.
Here’s how qualifying organizations redirect that money into stronger benefits and bigger paychecks—at $0 net cost.
Benefits costs keep rising. At the same time, many companies are still calculating payroll taxes on wages that can be restructured under long-standing IRS rules.
The result for qualifying groups is higher take-home pay for employees, lower payroll taxes for the organization, and enhanced benefits—without raising salaries, disrupting the existing major medical plan, or waiting for open enrollment.
We partner with proven administrators (including DCBG and CEHAS) who manage these programs and keep them fully compliant so both the organization and its employees come out ahead.
What employees gain
- Bigger paychecks. A documented pre-tax election under long-standing IRS rules lowers taxable income, which reduces federal, Social Security, and Medicare taxes. In the example below, the employee sees $50 more per semi-monthly paycheck.
- Amaze Health—independent of your major medical plan. Paid for by the tax savings, employees get unlimited virtual care (urgent and primary care, mental health support, and more), plus access to 1,000+ prescriptions, all at a $0 copay through a dedicated app and portal. Because Amaze sits outside the current health plan, usage helps divert claims away from the major medical carrier—supporting better renewal outcomes and rate stabilization over time.
- Additional guaranteed-issue insurance available at $0 net cost to qualifying employees who have enough tax savings (specific offerings vary by the structure that fits your organization).
- No change to existing benefits or broker necessary. No open-enrollment wait required to start.
What the employer gains
- Gross FICA savings of approximately $1,080 per enrolled employee per year.
- The program is designed so that even after covering ongoing administration and support costs, the organization realizes a net-positive gain month-over-month.
- Improve profit and loss statements and increase EBITDA without hiring or firing.
- Stronger benefits package that aids recruitment and retention.
- Potential reduction in major medical claims volume and costs through high utilization of Amaze virtual care.
- Fully supported implementation and ongoing administration.
Click for a Before-and-After Generic Employee Paycheck Comparison
How it works (high-level)
- Employees make a documented pre-tax election for qualified medical and wellness benefits.
- Qualifying amounts are excluded from wages under long-standing IRS rules (via reimbursements or claims, depending on the structure).
- The resulting tax savings fund the enhanced benefits (including Amaze) while increasing take-home pay and reducing the organization’s FICA matching expense.
Not every organization qualifies. Plans must meet IRS rules and be properly administered. Results vary and are not guaranteed. This is not tax or legal advice.
Next Step
More employers are learning how to restructure their current payroll taxes. Learn how to keep more of what you’ve earned and turn that knowledge into a competitive advantage.
The vast majority of the companies we consult with discover that they were giving away a meaningful amount of payroll tax savings every year to the government when they didn’t have to.
Let’s schedule a 45-minute conversation. We’ll walk you through how it works, answer your questions, and—if it looks like a fit—set the next step to pull the census data so we can run the specific numbers for your organization.
No obligation. Learn more about what your organization may be missing out on, with clear next steps.
There is a better solution.
Book a conversation.
Not every organization qualifies. Plans must meet IRS rules and be properly administered. Results vary and are not guaranteed. This is not tax or legal advice.
Ensure Benefits, LLC · Results vary based on organization-specific data