Attention Business Owners, C-Suite Executives, and HR Leaders
Attention Business Owners, C-Suite Executives, and HR Leaders
The Champ Plan™ is a self-funded preventive healthcare benefit designed to work alongside an employer’s primary health insurance. It focuses on everyday healthcare needs such as primary care, urgent care, and prescriptions while improving the overall efficiency of a company’s benefits strategy.
Instead of sending routine care through traditional insurance, the Champ Plan acts as a frontline layer of coverage. Employees get easier access to care, and employers reduce unnecessary strain on their primary health plan.
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. Here’s why it works.
The plan is implemented using an IRS Section 125 compliant structure, allowing employee contributions to be made pre-tax. In most cases, this results in:
• Increased net take-home pay for employees (without raising 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 a net savings for the business, while employees receive meaningful benefits they actually use.
A Section 125 Plan, sometimes called a “Cafeteria Plan,” is an IRS-approved structure that allows certain employee benefit contributions to be made before taxes are calculated.
When contributions are taken pre-tax:
• Employees lower their taxable income, which can increase their net take-home pay
• Employers reduce their payroll tax liability because FICA taxes are based on lower taxable wages
Section 125 plans have been used by companies for decades for benefits like health insurance and flexible spending accounts. The Champ Plan uses this same compliant structure in a strategic way to create advantages for both employees and employers.
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 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 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 seamlessly 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 that works in the background.
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.