Your Employees Deserve More. It Costs You Nothing.
The Champ Plan gives your team better take-home pay and preventative care benefits — fully funded through IRS tax savings. No out-of-pocket cost to you.
Free estimate
See Your Annual Savings
Enter the number of W-2 employees earning $1,200+/month to estimate your annual FICA tax savings.
Estimate based on average FICA savings of $573.60 per participating employee. Actual savings may vary. Consult a tax professional for your specific situation.
Simple process
Three steps to better benefits
See If You Qualify
Your business needs at least 5 W-2 employees earning $1,200 or more per month. That's it. Most businesses qualify in minutes.
5+
W-2 employees earning
$1,200+/mo
Attend a Free Info Session
Join a no-pressure 15-minute information session to see exactly how the plan works, what your savings look like, and what your employees gain.
Free. No obligation.
15-min
info session
Implement at No Cost
The plan pays for itself through IRS Section 125 tax savings. There is no net cost — your savings cover the entire program.
$0
Net cost to implement
Savings cover the program
What's included
Real benefits. Real numbers.
Employer Tax Savings
Save $573.60 or more per participating employee annually through reduced FICA contributions — a direct bottom-line benefit.
Employee Pay Increase
Employees take home up to $300 more each month without a raise — a powerful retention and recruitment tool.
Preventative Care Coverage
Employees gain access to meaningful preventative care benefits, supporting their health and wellbeing year-round.
IRS-Backed Program
The Champ Plan operates under IRS Tax Code Section 125 — a well-established, fully compliant cafeteria plan framework.
A federal benefit most businesses don't know they qualify for
IRS Tax Code Section 125 — also called a Cafeteria Plan — allows employers to offer certain benefits on a pre-tax basis. This reduces the taxable wages employees report, which in turn lowers the FICA payroll taxes both the employer and employee pay.
The Champ Plan is built entirely on Section 125. It connects directly with your existing payroll system, requires minimal effort to implement, and has never had a single IRS audit. Trusted by over 10,000 companies — including Arby's, Piggly Wiggly, Harley-Davidson, and Maaco — it's the most proven Section 125 solution available.
Employees simply complete a quick monthly health engagement activity (about 5–10 minutes) to unlock their benefits. In return, they receive $0 copay primary and urgent care, unlimited telehealth, mental health services, and prescription coverage — while taking home more money every month.
Watch: How the Champ Plan works (3.5 min)
Real results
What business owners are saying
We've been with the CHAMP plan for over 3 years now. 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.
Curt S.
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. Not only does it increase their pay but it provides minimum essential coverage. Our only regret was not doing it sooner — the tax benefits have been real and tremendous.
Jay
Arby's Franchise Owner
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, they concluded it was compliant on all fronts. Not only do our employees have higher take-home pay, the bottom line of the business improved tremendously.
CFO
450MM Revenue Software Analytics Company
During my time as a corporate auditor representing the IRS, I saw many wellness plans that came under scrutiny. The CHAMP plan closed those gaps. If I were still in practice with the IRS, there would be no potential exposure — they designed their plan within the letter of the law.
Former IRS Corporate Auditor
1987–2019
Hear it directly from business owners
Common questions
Frequently asked questions
The Champ Plan is backed by Champion Health, a trusted benefits provider, and operates under a fully compliant IRS cafeteria plan framework used by thousands of businesses nationwide.
Ready to See If You Qualify?
It takes just a few minutes to find out. Book a free, no-obligation information session and see exactly what your business and employees stand to gain.
No obligation. No cost. Just clarity on what your business qualifies for.