Massachusetts Employers: Fight Rising Payroll Costs With Tax-Saving Benefits
Save $1119+ per employee per year in FICA taxes — critical savings for Massachusetts employers managing PFML, SUI, and Health Insurance Responsibility requirements.
Why Massachusetts Employers Are Choosing Preventive Care Benefits
Massachusetts is one of the most expensive states in the country to employ workers. Between Paid Family and Medical Leave (PFML) contributions, State Unemployment Insurance (SUI), and the Health Insurance Responsibility Disclosure (HIRD) requirements, employers face layered payroll obligations that significantly increase the cost of each employee. Traditional group health insurance adds another $15,000–$22,000 per employee on top of those mandated costs.
The Preventive Care Benefits Program offers Massachusetts employers a way to provide meaningful benefits while actually reducing costs. Employees receive telemedicine, 1,000+ preventive prescriptions, $150,000 in life insurance and AD&D coverage, mental health support, and more — with no change to their take-home pay. Employers save $$1119–$$1186 per employee per year in federal FICA taxes, creating real relief in a state where payroll costs are already stretched thin.
From Boston's biotech and financial services corridor to the manufacturing and healthcare employers across the state, the program helps Massachusetts businesses of all sizes compete for talent without adding to their already-heavy cost burden.
Federal FICA Savings
Save $$1119–$$1186 per W2 employee per year in federal FICA taxes. For a 60-person company, that's over $67,000 annually — meaningful savings in a high-cost state.
Relief From High State Costs
Massachusetts's PFML contributions, SUI rates, and HIRD requirements make it one of the costliest states for employers. Federal FICA savings help offset those mandatory obligations and improve your overall cost structure.
$0 Employer Cost
No premiums, no contributions, no out-of-pocket expenses. The program is fully funded through pre-tax payroll restructuring and pays for itself through tax savings from day one.
Comprehensive Benefits
Employees receive telemedicine, 1,000+ preventive prescriptions, $150K life insurance, AD&D coverage, mental health counseling, dental and vision discounts, and more. Implementation takes just 2-3 weeks.
How It Works for Massachusetts Employers
The Preventive Care Benefits Program is a Self Insured Medical Reimbursement Program (SIMRP) structured under IRC §105(b), §125, and ACA guidelines. It covers full-time W2 employees earning $26,000 or more annually — which includes the vast majority of Massachusetts's workforce across biotech, financial services, healthcare, education, technology, and professional services.
A pre-tax payroll deduction reduces each employee's taxable income, lowering both employer and employee federal FICA obligations. Employees are then reimbursed post-tax for the full deduction amount, so their take-home pay stays exactly the same. For Massachusetts employers already managing PFML contributions and HIRD compliance, this program adds zero administrative complexity while delivering measurable tax savings.
Our team handles all plan documentation, compliance, enrollment, and ongoing administration. There's no disruption to your existing payroll or benefits setup, and you can be up and running in as little as 2-3 weeks.
Ready to Save on Employer Taxes?
Schedule a complimentary discovery call to see how much your business can save with the Preventive Care Benefits Program.