The staff of a dental practice standing together in their treatment room.

For the owner / CEO

The P&L Case, in Four Moves.

You are already paying for coverage your people cannot afford to use. This is what changes when everyday care costs them nothing at the point of use.

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The case

Four Moves.

1Lower everyday spend. Employees handle everyday care at $0 instead of leaning on your major-medical plan — small problems get caught before they become large claims.

2Payroll-tax savings. The Section 125 pre-tax structure trims FICA on every enrolled premium dollar.

3ACA MEC positioning. Positioned by Health Compass as ACA Minimum Essential Coverage.

4Recruit and retain. A benefit employees feel every payroll cycle — without a dollar of added net cost in the illustrative model.

Your benefits advisor and Health Compass handle the rest — census, eligibility, enrollment and payroll integration. All figures illustrative; confirm with your tax advisor. Plan provided and administered by Health Compass Inc.

The objection, first

You Have Probably Deleted This Pitch Before.

A dozen brokers have pitched you a “wellness plan that pays for itself.” Most were wrecked by an IRS memo in 2023 — and you were right to delete them. Vital 110 is built on an ACA-qualifying health plan under §125, with payments that run as adjudicated claims on an EOB, not wellness cash. Before you trust any plan in this category — including ours — ask the five diligence questions →

The number

~$918 Gross. ~$438 Net.

Per enrolled employee per year, at a $12,000/yr pre-tax premium — after the plan’s $40/month employer admin fee. We lead with the net.

Illustrative only. Confirm every figure with your tax advisor before you enroll. No tax outcome is guaranteed. See the full gross-to-net walk →

Next step

Thirty Minutes, and You Will Know.

What your people actually use today, what this changes, and what your advisors should look at.

Book a 15-Minute Call Get the Employer Deck