Cut payroll taxes at zero net cost

The Champ Plan by Champion Health layers onto your existing major medical plan — lowering FICA payroll taxes, giving employees $0 copay care, and costing your business nothing net.

See how the savings work

Watch the overview

See The Champ Plan in two minutes

How it works

From first call to first savings

Step 1

Free analysis

Share basic company details and get a clear estimate of your annual payroll tax savings.

Step 2

Census review

We review your employee census and confirm exactly how the plan layers onto your current coverage.

Step 3

Enrollment

Employees enroll with guided support — nothing changes about your existing major medical plan.

Step 4

Savings begin

Savings flow through your existing payroll while employees get $0 copay care.

Who qualifies

Built for W-2 employers of any size

If you run payroll for W-2 employees, you likely qualify. The more qualifying employees you have, the greater the annual savings.

W-2 employees on salary, or hourly staff working 30+ hours per week
Any existing major medical plan — or none at all
No change to your current carrier, broker, or benefits
No pre-pay, no upfront cost, no long-term commitment

What is The Champ Plan by Champion Health

Innovative health coverage at zero net cost

A self-funded Section 125 overlay that layers onto any existing major medical plan — cutting employer payroll taxes, off-loading primary care claims, and putting more money in most employees' pockets.

$500+

average annual employer savings, per employee

$47.80/mo

average FICA payroll tax savings per employee

Net Cost to employers and most employees

Employer benefits

Boost savings & retention — at zero net cost

Cut payroll taxes, improve cash flow, and enhance employee wellbeing without changing your current insurance.

Save on average over $500 per employee annually with ZERO net cost
No pre-pay for coverage — improves employer cash flow
Thousands saved in FICA payroll taxes each year
Not subject to state health insurance premium taxes
Layers on top of existing insurance — nothing to replace
Interactive wellbeing program that lifts engagement & retention

Employee benefits

Unlimited care with $0 copays

Unlimited doctor visits, urgent care, and prescriptions — plus 24/7 virtual care and a personal health manager.

$0 unlimited primary care visits through First Health providers
$0 unlimited urgent care visits — no deductible, no copay
$0 copay on 600+ generic & brand-name prescriptions
24/7/365 virtual direct primary care for employee & family
Unlimited Virtual Veterinary Consultations 24/7
Digital ID cards in the Champ mobile app
Personal Health Manager and 100% preventive care coverage

Ready to see your numbers?

Champ Plan representatives deliver a free, no-commitment savings analysis for your business. If a representative shared their link with you, open it to request your analysis — or explore becoming a representative yourself.