Michigan Employers: Strengthen Benefits and Cut Payroll Taxes
Save $1119+ per employee per year in FICA taxes with $0 cost preventive care benefits — built for Michigan’s manufacturing, automotive, and skilled trades workforce.
Why Michigan Employers Are Choosing Preventive Care Benefits
Michigan's identity is built on manufacturing — and that industry's workforce demands are more intense than ever. The automotive sector, EV production, advanced manufacturing, and the supply chain companies that support them all need skilled workers, and they need them now. But offering competitive benefits through traditional group health insurance can cost $15,000–$22,000 per employee annually, straining already-tight margins for suppliers, contractors, and mid-sized manufacturers.
The Preventive Care Benefits Program gives Michigan employers a practical solution: telemedicine, 1,000+ preventive prescriptions, $150,000 in life insurance and AD&D coverage, mental health support, and more — all at $0 out-of-pocket cost. For workers in physically demanding roles, the $150K life insurance and AD&D coverage alone can be a major draw. Employees see no change to their take-home pay, while employers save on every payroll cycle.
Whether you're a Tier 1 automotive supplier in Detroit, a furniture manufacturer in West Michigan, or a healthcare system in the Upper Peninsula, the program scales to your workforce and integrates seamlessly with your existing payroll.
Federal FICA Savings
Save $$1119–$$1186 per W2 employee per year in federal FICA taxes. A 200-person manufacturer saves over $220,000 annually — a significant impact on your bottom line.
Michigan SUI Reduction
Michigan's State Unemployment Insurance is calculated on taxable wages. The program's pre-tax deduction structure can reduce your SUI-taxable payroll, compounding your savings beyond federal FICA alone.
$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 Michigan 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 Michigan's workforce across automotive, manufacturing, healthcare, technology, and professional services.
A pre-tax payroll deduction reduces each employee's taxable income, lowering both employer and employee FICA obligations. Employees are then reimbursed post-tax for the full deduction amount, so their take-home pay stays exactly the same. For Michigan's manufacturing and skilled trades employers, this means you can offer a benefits package that rivals much larger competitors — without spending a dime.
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.