There's a Compliance-Documented Way to Recover $19,000 to $190,000 a Year in Payroll Tax. Most Employers Have Never Heard of It.

My name is David Baer. I spend most of my time helping businesses find money already inside their operations, usually leaking out through taxes, fees, or costs nobody's tracking closely enough. That work puts me inside client payroll data more than most outsiders ever see, and a few years ago, one pattern kept showing up: businesses paying tax on everyday healthcare the same way they pay tax on wages.

If you run payroll for 30 or more people, keep reading. What I found applies directly to you.

The Payroll Tax Effect No One Warns You About

Here's the part that doesn't get explained: when routine healthcare is provided as a benefit, instead of paid for like wages, payroll taxes go down. For most employers, that works out to $600 to $700 per employee, per year.

• 30 employees: roughly $19,000 a year
• 75 employees: roughly $48,000 a year
• 150 employees: roughly $96,000 a year
• 300 employees: $190,000 or more a year

And FICA is only one of three savings levers. The same program can also reduce workers' comp exposure by up to 30% in most states, and add up to 30% in savings for employers on a self-insured health plan.

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I Know How That Sounds

If your first reaction is that this sounds too good to be true, you're not the first person to think that. It was mine too.

So instead of asking you to take my word for it, here's what it's actually built on.

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Why You've Probably Never Been Shown This

This isn't insurance, so most brokers aren't compensated to bring it up. It runs alongside whatever plan and broker you already have. Nothing about your current coverage changes. What changes is how a portion of routine healthcare is structured, and that structure is what the tax code treats differently.

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What It's Actually Built On

The program is a Self-Insured Medical Expense Reimbursement Plan, a SIMERP, paired with a Section 125 Cafeteria Plan. It's built on IRC 213(d), 106(a), and 105(b), and on a 2017 IRS Chief Counsel memorandum that addresses exactly this structure. It's HIPAA, ERISA, and ACA compliant.

In plain terms: the IRS already agreed this works. The only question is whether your business is using it.

EHP works with organizations across every sector, including franchise operators, manufacturers, universities, nonprofits, schools, and municipalities. The program is backed by Revive Health, which serves more than 4 million members nationwide, and integrates with insurance partners including Humana, Blue Cross Blue Shield, Allstate, Transamerica, Colonial Life, and Manhattan Life.

Why This Keeps Getting Worse

Insurance is built to handle catastrophic events. It was never built to be the payment system for everyday care, the primary visits, the urgent care trips, the prescriptions, the mental health check-ins.

But that's exactly how most employers pay for it. Every dollar of routine care runs through the same system as a hospital stay. And every one of those dollars gets taxed like wages, because that's how it's set up. Not because it has to be.

That mismatch doesn't stay contained to a line item. Rising premiums show up as higher employee contributions, deductibles that push wage pressure, and turnover you can trace back to benefits if you look closely enough. Employees delay care they need because the deductible is in the way. None of that shows up on the invoice from your carrier. It shows up everywhere else.

Or reach me out to directly:

David Baer

503-208-4703

db@davidbaer.me

P.S.

Every time you pay for everyday healthcare the same way you pay wages, you increase your FICA bill. Not because you have to. Because that's how it's set up. Change the setup, and the tax problem fixes itself. If you run payroll for 30 or more people, every payroll cycle that passes without this is one more cycle at the higher rate. Worth four minutes to find out what that's actually costing you.

Why I Connect Businesses to This Service

I'm not the subject matter expert on how this program works, and I won't pretend to be. My partners at EHP are the ones who run the numbers, walk through compliance, and handle implementation. What I do is simpler: I talk with you first to make sure this is worth your time. If it is, we'll find time to set up a true discovery call.

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Before You Book, Here's Who This Works For

This tends to make sense for organizations that:

• Have 30 or more full-time W-2 employees
• Are feeling the pressure of rising healthcare costs
• Want to add value for employees without increasing spend
• Aren't looking to replace their current broker or plan, just improve what it's costing them

If that's not your situation, this probably isn't for you yet, and that's fine to find out now rather than on a call.

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What Happens Next

First, a short conversation with me. I'll ask a few quick questions about your team and current benefits, so we can confirm this is worth your time before anything gets scheduled.

If it's a fit, I'll get you on the calendar with my partners at EHP for a Discovery Call, 45 to 60 minutes. That's where they'll walk through your specific numbers, your current benefits setup, and the deeper questions on compliance and implementation. You'll leave knowing exactly what this is worth to your business, whether the answer is yes or no. No cost, no obligation. If it doesn't make sense for your situation, they'll tell you that directly, not after wasting your time.

Every payroll run between now and then is a payroll run at the higher rate. That's the only real cost of waiting.

What Employees Experience

This isn't a program that improves your numbers by taking something away from your team. It adds:

• 24/7 access to care through an app, without waiting for an appointment
• Faster access to second opinions
• Mental health support without the usual friction
• Chronic disease management
• Coverage for more than 1,000 prescriptions, often at no cost
• Access to voluntary benefits like dental, vision, and life insurance
• A modest increase in take-home pay

While you're recovering money currently going to the IRS, your team is getting more, not less.

Schedule a Call With David

This isn't a sales call in disguise.

Zero pressure, just a straight conversation to see if your organization qualifies.

 Or contact:

David Baer | 503-208-4703 | db@davidbaer.me