17 Apr The CHAMP Plan, Helps Employers Save Money and Give Employees a Raise
Section 125 Plan
The CHAMP Plan, presented by The Policy Shop, is easily the most unique employee benefit strategy I’ve ever seen.
And I’ve seen a lot.
Why? Because It Solves the Toughest Problem in Business
Typically, when you bring an insurance solution to a business, it costs the business owner money.
And that’s a tough conversation to have—especially today.
Margins are tight. Payroll is stretched. Most companies are focused on cutting costs, not adding new ones.
But what if I told you there’s a program that allows businesses to offer more to their employees—
- More pay.
- More benefits.
- More support for their health and well-being—
Without spending a single additional dollar?
And what if I told you this plan actually saves the business money—
And gives employees a raise at the same time?
That’s exactly what The CHAMP Plan, presented by The Policy Shop, does.
What Is the CHAMP Plan?
It’s not health insurance.
It’s a Health Management Plan, and it’s structured to do four key things:
- Reduce payroll tax liability for the employer
- Increase take-home pay for the employee
- Provide free supplemental medical coverage to the employee
- Offer personalized digital health programs that actually make people healthier
Powered by IRS Section 125
The CHAMP Plan leverages IRS Section 125, also known as a cafeteria plan.
This section of the U.S. tax code allows certain qualified benefits—like vision care, dental, and wellness programs—to be paid pre-tax, not after-tax.
Here’s why that matters:
When employees opt into the CHAMP Plan, a portion of their income is redirected before taxes are applied, reducing FICA payroll taxes for employers and increasing employees’ net pay.
It’s an old strategy—used in Fortune 500 companies for decades—but The Policy Shop’s CHAMP Plan brings it into the modern age.
What Employees Actually Get
Each participating employee receives access to a customized digital health platform, right on their smartphone.
The first question they’re asked:
“What do you want to improve about your health?”
Responses range from:
- Weight loss
- Quitting smoking
- Reducing stress, anxiety, or depression
- Better sleep
- Improved nutrition
The CHAMP Plan uses this input to deliver a personalized, science-backed wellness plan.
Every month, employees receive a short video, answer a few questions, and check in on their goals.
Behind the scenes?
The system uses predictive modeling to analyze health data and flag potential risks before they become costly health events.
It’s proactive care, not reactive.
It helps people feel better, live longer—and costs them nothing.
Easy, Private Participation
- ✅ No doctor’s appointments
- ✅ No physical exams
- ✅ No out-of-pocket costs
- ✅ No impact on existing insurance
- ✅ 100% confidential
Employees engage on their schedule—no disruptions, just results.
The Numbers: A Win-Win
For employers:
- Each enrolled employee saves the business $573.60 per year in payroll taxes
- 50 employees = $28,680 in annual savings
- 100 employees = $57,360 in annual savings
For employees:
- Average increase in take-home pay: $125/month
- That’s $1,500 more per year
- Without working a single extra hour
Plus, they get free supplemental coverage, including:
Let’s Recap
What’s in it for the business?
- ✅ Immediate payroll tax savings
- ✅ Improved retention and recruiting
- ✅ Valuable benefits—at no added cost
What’s in it for the employee?
- ✅ More money in every paycheck
- ✅ Access to free healthcare coverage
- ✅ Digital wellness tools that truly make a difference
Trusted by the Biggest Names in Business
The CHAMP Plan, presented by The Policy Shop, has been in place for over a decade.
It’s already trusted by:
- Amazon
- Domino’s
- Popeyes
- Denny’s
- Dunkin’
It’s supported by major payroll providers:
And it integrates directly into your payroll system.
No disruption. No new software. No headaches.
Who Is This For?
The CHAMP Plan works best for businesses with 25+ W-2 employees in industries like:
- Home health care
- Construction
- Manufacturing
- Hospitality
- Food service
- Transportation
- Staffing & temp agencies
Basically, any business with hourly or modestly salaried workers looking for better benefits and higher take-home pay.
It’s Time to Offer More—Without Spending More
If you’re a business owner, chances are:
- You want to offer benefits but can’t afford traditional health plans
- You’re losing talent to larger competitors
- You’re stretched thin trying to retain great workers
The CHAMP Plan from The Policy Shop changes that.
You can offer more.
You can save money.
And you can change lives.
Ready to See What This Could Do for Your Company?
Let The Policy Shop run a free analysis for your business.
You’ll get:
- 📊 A detailed projection of payroll tax savings
- 📈 Estimated increase in employee net pay
- 🩺 A full breakdown of included benefits
No cost.
No obligation.
Just answers.
Get in touch today.
Let’s put your business—and your people—on a path to something better.