HealthCues HEALTHCUES
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Preventive health benefits · $0 out of pocket cost

Add valuable benefits, more net take-home pay for your team. Lower payroll taxes for you.

HealthCues is a fully insured Section 125 program that runs through your payroll. For employers with W-2 teams, you pay less FICA on each qualifying employee. There is $0 out-of-pocket cost, your current health plan stays as is, and it takes about ten minutes of HR time per pay period.

Get my free savings estimate Watch the 90-second overview

Your free proposal uses your actual payroll.

Already running at franchise owners and operators of

Client logos: McDonald’s, Marriott, Subway, Burger King, Hyatt, Shell, Amazon Prime, Hilton Garden Inn

Plus 19 more. Representative clients are independent franchise owners and parent corporations.

70%+of W-2 employees typically qualify
92%of clients renew every year
A-ratedfully insured carrier, available in all 50 states
~10 minof HR time per pay period

How it works, in 90 seconds

Brayden from Mainspring walks through HealthCues.

Section 125 has been in the tax code since 1978. HealthCues puts it to work on every paycheck.

Section 125 lets employees pay for qualifying benefits before taxes are calculated. Less taxable pay means less tax for the employee and less FICA for you. HealthCues runs a hospital indemnity premium through payroll on a pre-tax basis, with benefit payments made according to the policy terms.

Employee paycheck THE EMPLOYEE
Without
HealthCues		With
HealthCues
Gross pay$2,600.00$2,600.00
Pre-tax premium$0.00$1,200.00
Taxable income$2,600.00$1,400.00
Tax withheld$439.17$162.13
Benefit payment$0.00$1,000.00
Net take-home pay$2,160.83$2,237.87
Employee gains +$924 / yr
Your side of the same paycheck THE EMPLOYER
Without
HealthCues		With
HealthCues
Employee gross pay$2,600.00$2,600.00
Taxable wages$2,600.00$1,400.00
Employer FICA$198.90$107.09
Admin fee$0.00$40.00
Net cost to you$198.90$147.09
After the fee, you keep +$622 / yr

Savings figures are estimates; this material is not tax or legal advice. Excess benefits paid under this program may be taxable income. We recommend each group seek tax advice from a professional tax advisor prior to purchasing.

For your business

Don’t compete on wages. Give them an average net take-home increase of 3% without increasing your payroll.

1

Cut payroll tax, not people

  • Employer FICA is 7.65% of taxable wages
  • Pre-tax premiums shrink that base
  • On every enrolled employee, every pay period
2

Fully insured

  • Underwritten on A-rated carrier paper
  • Available in all 50 states
  • HIPAA compliant
3

Healthier, steadier crews

  • Comprehensive healthcare benefits
  • Zero out-of-pocket virtual care
  • Small problems get handled before they become missed shifts

Light lift for HR

HealthCues sets up payroll codes, runs enrollment and education, and integrates with ADP, Paychex, Paycom, Paylocity, isolved and more.

1

Free savings estimate

  • For employers with W-2 teams
  • Your free proposal uses your actual payroll
2

HealthCues runs enrollment

  • HealthCues sets up payroll codes
  • Runs enrollment and education
  • ~70% of W-2 employees typically qualify
3

Savings on every paycheck

  • Savings repeat on every paycheck for every employee who enrolls
  • The result grows with your workforce
~10 min of HR time per pay period

For your team and their household

More every payroll. Pre-tax premiums lower taxable wages; comprehensive coverage and high loss ratios mean that employees are eligible for direct benefit payments. Typical net: +$77 a month.

$0 virtual primary and urgent care
  • 24/7 by phone or video
  • No copay
24/7 mental health support
  • With licensed counselors
  • Unlimited sessions
Cash benefits for medical care
  • Including preventive care, interaction with almost any provider, ER visits, hospital stays and ambulance rides, paid directly to the employee
  • Coverage may extend to spouses and dependents
Rx savings, DNA screening, health risk assessment
  • Plus virtual vet
  • Credit counseling and a free tax hotline

HealthCues is supplemental coverage and does not replace major medical insurance. Questions? Contact brayden.landherr@themainspring.ai

First page of the HealthCues white paper: Lower Payroll Tax. Better Benefits. Zero Out of Pocket.
For your CFO or controller

Read the full white paper

How the math works.

Download the white paper (PDF)

Questions or a free savings estimate?

Your free proposal uses your actual payroll. There is $0 out-of-pocket cost, and your current health plan stays as is.

Book a call

Contact brayden.landherr@themainspring.ai