Are You a Business with 10 or more W2 Employees? If So, then we can

Cut FICA Taxes by $573 Per Employee Every Year — Zero Out of Pocket Costs Guaranteed

Implement The Champ Plan: When We Slash FICA Taxes, Reduce Workers' Comp, Cut Healthcare Premiums and Increase Take Home Pay for Your Employees, Performance and Retention will increase 10X, While Putting More Money in Your Pocket!

Enter Number of Full Time W2 Employees:

Our Partners


The Champ Plan Benefits

For Both your Business and your team


Drive employee loyalty and attract top talent while saving money
on FICA taxes, all at no expense to you or your employees.


for Your Company:

  • Substantial FICA Tax Savings of $573 Per Employee, Every year!

    Minimize your tax liabilities, freeing up capital for growth and innovation.
  • No Out of Pocket Costs

    NO hidden fees, no catch and super easy to implement. This is actually a Net Profit to You AND Your Employees!
  • Workers' Comp Savings

    Significantly decrease workers comp, improving your bottom line.
  • Enhanced Employee Retention

    Increased take-home pay leads to happier employees, significantly boosting retention rates, as does offering a superior benefits program. Average increase in take-home pay is $125.
  • Improved Recruitment

    Attract top-tier talent effortlessly, thanks to the appealing financial perks your company can now offer.
  • Champ Shield

    A first defense to protect you from workplace problems such as discrimination and harassment.
  • Reduce Health Insurance Premiums

    If you already have healthcare benefits, this plan will significantly reduce your premiums.


for Your Employees:

  • Increased Pay:

    Employees will see their paychecks grow on average of $125 per month, fostering a more satisfied and productive team.
  • Zero Cost:

    This plan requires no investment from your employees, ensuring a smooth transition. This plan actually increases take home pay making it a Net Profit for your employees.
  • ZERO Deductible's

    Zero deductible's on Primary Care, Urgent Care Visits and Prescriptions.
  • ZERO Copay

    Zero copays Zero on Primary Care, Urgent Care Visits and Prescriptions.
  • Unlimited access to telehealth

    Unlimited Physical and Mental, which is more important than ever these days.
  • Unlimited Veterinary Services

    Telehealth service for their super important furry friends.
  • Unlimited Mental Health

    Unlimited mental health for the employee and their families.



“During my time as a corporate auditor representing the IRS, I saw many wellness plans that came under scrutiny because there were gaps between the design of the plan and the interpretation of the IRS rules. The CHAMP plan closed those gaps. If I were still in practice with the IRS, there would be no potential exposure as they designed their plan within the letter of the law.”

- IRS Corporate Auditor (1987-2019)


“As a publicly traded company, we face a lot of scrutiny over the benefits package we provide. Add to that our company employees over 16,000 lives the rollout process is as crucial as the savings businesses we support want the best for their employees. Including the CHAMP plan as part of every proposal allows us to provide greater benefits at a more cost-effective price than our competitors.”

- MC, Publicly Traded Manufacturing Company


“As a CFO, my job is to find ways to improve the bottom line of our business. When we were first introduced to the CHAMP plan, the immediate reaction was this is too good to be true. After talking with our CPAs and attorneys about the plan, they concluded that CHAMP plan was compliant on all fronts. We added the CHAMP plan to our benefit package with nearly 100% acceptance. Not only do our employees have a higher take-home pay, the bottom line of the business improved tremendously and we would highly recommend the Champion Health plan.”

- 4R, 450MM Revenue Software Analytics Company


“We've been with the CHAMP plan for over 3 years now. At first, we were hesitant because we didn't know if our employees would actually see the benefit. Looking back, we now wish we rolled it out years sooner. Our employees are healthier and they love the added medical benefits along with their higher paychecks. To date we have saved our company and our employees millions.. The CHAMP plan has been the single greatest benefit we have implemented for our employees and our bottom line.”

- CS, Curt (Piggly Wiggly Owner)


“As a fast food chain we always had an issue offering benefits to our employees and the CHAMP plan has been the perfect fit to accomplish that. Not only does it increase their pay but it provides minimum essential coverage and useful benefits they can use as standalone and with their current plan. The rollout was seamless to all our employees and despite the initial complexities of the plan, the employee experience has been very easy for them to understand. I can honestly say our only regret was not doing it sooner as the tax benefits have been real and tremendous. Our employees have been happy with their benefit plans and the competitive rates. We were pleasantly surprised to see the renewal rates come in lower than we anticipated that shows the effectiveness of the CHAMP plan reducing the claims that hit our major medical. The CHAMP team has been great to work with and we appreciate their level of detail and expertise to help us manage our claims internally which has kept our rates down.”

- Jay (Arby's Owner)


“As one of only a handful of IRS certified PEO's in the United States, our business is providing Human Resources and Payroll to over 50,000+ lives around the United States. As a result, compliance was at the heart as the most important factor of our decision to participate in the CHAMP plan. After carefully reviewing all the inner workings of the plan we are completely assured that the CHAMP plan is fully compliant from an IRS audit and businesses we recommend it to are held harmless since it is our EIN number behind it. The businesses we support want the best for their employees. Including the CHAMP plan as part of every proposal allows us to provide greater benefits at a more cost-effective price than our competitors.”

- NP, National Payroll and Staffing PEO

What is
Section 125?


Did you know that if you have a business with at least 10 W2 employees, you are entitled to a free federal benefit called Section 125?

The ChampPlan, rooted in Section 125 of the IRS Tax Code, guarantees fixed annual FICA savings in payroll taxes for employers. With zero net cost for both
employers and employees, it eliminates co-pays, slashes health plan expenses, and seamlessly integrates into your operations.

Its user-friendly design ensures minimal effort on the business side, connecting directly with your payroll system. Employees can unlock these benefits by completing a quick 5-minute module or utilizing the service just once a month.


In return, they gain complimentary access to primary care,
telemedicine, mental health services, and more, potentially boosting
their income by $125/month ($1,500 per year). Trusted by over
10,000 companies, including industry giants like Dunkin Donuts,
Piggly Wiggly, Burger King, Arby's, Maaco and Harley Davidson, the
ChampPlan is the go-to solution for Section 125 needs.

We collaborate with the industry leader in section 125 who’s been
around the longest and never had a single audit. What sets them
apart is their stellar reputation backed by IRS agent testimonials and
a strong focus on staying in alignment with the IRS tax code.


We are a proud Corporate Donor For

toys for tots


For every W2 employee, we add on our Champ Plan offer, we will donate
$1 per employee, per month to the Marine’s Toys for Tots program!

Frequently Asked




No. The CHAMP Plan™ is a self-funded overlay program that supplements existing traditional medical insurance plans. 


Champion Health, Inc. has built a foundation on two valuable principles: Honesty and Integrity. Our faith and values stem from the Golden Rule: “Do unto others as you would want them to do unto you.” You can count on us to lead by example, be excellent stewards of your bottom line, and make your life less complicated. We are committed to giving you a first-class experience in everything that we do and providing exceptional and personalized service to each of our clients that is second to no one. 

We understand the complexities of healthcare and its benefits. We constantly evaluate our solutions based on the current healthcare and benefits landscape, keeping us focused on what new, innovative concept or product could be better for you. By partnering with us, we will deliver a better benefits solution than you can get anywhere else. 

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