Latest Guide
ACA 2026 Compliance Guide for Employers
Everything you need to know about ACA requirements for 2026, including new regulations and how supplemental plans help you stay compliant.
Read the Guide →Section 125 Supplemental Health Plans
Save $600-900 Per Employee on Healthcare Costs with Section 125 Supplemental Benefits
Stop losing money to rising health insurance premiums. Our Section 125 supplemental plans reduce your costs while giving employees 1,000+ free medications and 24/7 telehealth access.
98.4%
Renewal Rate
1,000+
Free Medications
24/7
Telehealth Access
Healthcare Benefits Shouldn't Be This Hard
Premiums Keep Rising
You budget for 8% increases and get hit with 12%. Every year it's the same story—more money, less coverage.
Employees Can't Afford Their Meds
High deductibles mean your people skip prescriptions. That leads to bigger health problems and higher claims.
Turnover Costs a Fortune
Benefits drive retention. When your package is weak, your best people leave for companies with better coverage.
The Optiv Difference
A Benefit That Adds to Your Plan—And Subtracts From Your Costs
Optiv Health isn't a replacement for your major medical. It's a Section 125 supplemental plan that stacks on top—giving employees access to free prescriptions, unlimited telehealth, and preventive care while reducing your tax burden.
- ✓ Pre-tax premium deductions lower FICA costs
- ✓ 1,000+ generic medications at $0 copay
- ✓ 24/7 telehealth eliminates costly ER visits
- ✓ Zero disruption to existing coverage
Simple Implementation
Three Steps to Healthier Employees and Lower Costs
1
We Analyze Your Situation
Share your employee count and current costs. We'll show you exactly how much you'll save—no guessing.
2
Seamless Enrollment
We handle the paperwork. Your employees enroll through a simple online portal. Takes 15 minutes.
3
Start Saving Immediately
Benefits activate fast. Your employees get free meds and telehealth. You keep more money in the business.
How Much Could You Save?
The average employer saves $750/employee/year. Enter your headcount to see your potential savings.
Estimated Annual Savings
$0
Why Companies Stick With Us
A 98.4% renewal rate doesn't happen by accident. It happens when the product actually works.
$600-900
Saved Per Employee, Per Year
98.4%
Client Renewal Rate
1,000+
Free Prescriptions
24/7
Telehealth Access
Free Download
The Employer's Guide to Section 125 Health Benefits
Learn how leading companies are saving $600-900 per employee while improving coverage. This comprehensive whitepaper covers implementation strategies, tax advantages, and real-world case studies.
Get the Free Whitepaper →Healthcare Insights & Resources
Expert guidance to help you navigate healthcare benefits and maximize your savings.
Research
73% of Employees Stay Longer With Better Benefits
New research shows how smart employers are using supplemental health plans to cut turnover by 30% while saving $750+ per employee.
Read Report →
Resource
Section 125 Implementation Whitepaper
Comprehensive guide covering tax advantages, implementation steps, and real ROI calculations from actual client data.
Download Free →
Strategy
Smart Cost Control: Save $750+ Per Employee
58.75% of employers maintain same costs while improving benefits. Learn the proven strategies for 2026.
Read Guide →
Calculator
Healthcare Savings Calculator
Get exact savings estimates for your company, including FICA tax reductions and claims cost improvements.
Calculate Now →📅 Free Webinar — March 3, 2026
Slash Healthcare Costs Without Cutting Coverage
Join us for a 45-minute session where we'll break down exactly how Section 125 plans work, show real savings examples, and answer your questions live.
Reserve Your Spot →Can't make it? Book a 1-on-1 call instead.
Frequently Asked Questions
Get answers to the most common questions about Section 125 supplemental health plans.
A Section 125 plan (also called a cafeteria plan) lets employees pay for certain benefits with pre-tax dollars. Supplemental plans under Section 125 provide additional coverage — like free prescriptions and telehealth — that stacks on top of existing major medical, while reducing FICA taxes for both employer and employee.
Most companies save $600-900 per employee per year through combined FICA tax reductions and healthcare cost offsets. For a 50-employee company, that's $30,000-$45,000 annually.
No. Section 125 benefits are pre-tax, meaning employees don't pay federal income tax, Social Security tax, or Medicare tax on their contributions. This increases their take-home pay.
When employees elect pre-tax benefits, their taxable wages decrease. This reduces the 7.65% FICA tax obligation for BOTH the employer and employee on those benefit dollars.
Our plans include 1,000+ generic medications at zero cost to employees, covering categories like blood pressure, diabetes, cholesterol, antibiotics, mental health, and more.
Stop Overpaying for Healthcare
Every month you wait is money walking out the door. Get a free analysis and see exactly how much your company could save.
Upload Payroll & Get Custom Quote