Attention Business Owners & Leaders
Attention Business Owners & Leaders
The CHAMP Plan™ is a self-funded, proactive healthcare benefit engineered to seamlessly layer directly over your existing major medical insurance policy. By acting as your workforce's primary frontline defense, everyday routine claims are absorbed by the CHAMP Plan rather than hitting your traditional major medical policy. When employees utilize the CHAMP Plan first, your major medical insurance utilization decreases—protecting your primary plan and helping lower your long-term premium renewals.
Champion Health was founded with two clear goals:
The Champ Plan was never designed to replace or compete with traditional insurance. It was intentionally built to fill the gap traditional plans leave behind. That design is what allows the plan to work so effectively for both employers and employees.
At first glance, the Champ Plan can sound “too good to be true.” That reaction is common and understandable. The reason it works comes down to how the plan is structured.
The plan is implemented using an IRS Section 125 compliant structure. This allows certain employee benefit contributions to be made before taxes are calculated.
In many cases, this results in:
• Increased take-home pay for employees without increasing wages
• Reduced payroll tax liability for employers through FICA tax savings
While there is a cost associated with administering the plan, the structure itself produces net savings for the business while employees receive meaningful healthcare benefits.
A Section 125 structure, often referred to as a "Cafeteria Plan," is a long-standing, IRS-approved payroll framework. It allows specific employee benefit contributions to be processed before payroll taxes are calculated.
When compensation is structured pre-tax through the CHAMP Plan™:
The CHAMP Plan™ simply optimizes this compliant structure to fund a robust wellness benefit that practically pays for itself.
Traditional health plans absorb a high volume of routine claims which directly drive renewal premiums year after year. The Champ Plan™ redirects those routine services away from traditional insurance and into a separate, structured benefit. This allows major medical coverage to focus on higher-cost events, while reducing claims pressure tied to routine care.
The Result:
• More Efficient Claims Utilization
• Better Cost Control At Renewal
• Stronger Benefits Without Increasing Premiums
• FICA Tax Savings For Offering The Plan
The Champ Plan™ removes financial and access barriers to everyday healthcare, encouraging employees to engage early instead of delaying care.
Employee Benefits Include:
• Unlimited Primary / Urgent Care Visits
• 100% Preventative Care
• $0 Cost Access To Eligible Generic Prescriptions
• 24/7 Virtual Primary Care & Mental Health Support
• Personalized Health Tools Designed To Support Proactive Care
Many benefits extend to family members, creating additional value beyond the employee alone.
A significant portion of healthcare spending is driven by preventable and chronic conditions. The Champ Plan™ is designed to help identify and address health concerns early before they become long-term issues that impact quality of life, productivity, and healthcare costs.
Healthier employees, when supported consistently, lead to better outcomes for businesses over time — both financially and operationally.
The Champ Plan™ integrates smoothly with existing payroll and benefits systems. Employers manage eligibility and participation, while ongoing support handles administration.
There are:
• No changes to existing insurance
• No disruption to current coverage
• No added operational burden
Just a smarter layer of benefits working alongside your current plan.
We use cookies to analyze website traffic and optimize your website experience. By accepting our use of cookies, your data will be aggregated with all other user data.