HarmoniCare provides innovative Section 125 health plan solutions that help businesses reduce payroll taxes while offering employees valuable healthcare benefits at no additional cost. Our fully managed plans include $0 copay telehealth, preventative care, mental health support, prescription coverage, wellness programs, and more for employees and their families. Designed to work alongside existing insurance coverage, HarmoniCare’s IRS-compliant Section 125 health plan helps employers improve retention, support employee wellbeing, and save up to $1,100 per employee annually through smart pre-tax benefit strategies.