​Health Sphere offers a turnkey, risk-free benefits program that integrates seamlessly with payroll systems, delivering immediate ROI with no upfront costs. By implementing a Section 125 Cafeteria Plan, they enable employees to allocate pre-tax earnings toward qualified benefits, reducing taxable income and lowering payroll taxes for both employees and employers. Employers can save approximately $600 to $800 per employee annually, while employees enjoy enhanced benefits such as 24/7 telemedicine, mental health counseling, and discounts on vision, dental, and prescriptions. The program is fully compliant with IRS, ACA, and HIPAA regulations and can be implemented within 30–45 days, requiring no ongoing management from the employer.