Save $640 Per Employee Annually on Payroll Taxes While Delivering Better Care
Unlock hidden FICA savings through a SIMERP, the compliant, pre-tax wellness benefit most businesses don't know exists.
No plan changes. No added costs. Just smarter structuring.
What Is a SIMERP?
A Self-Insured Medical Expense Reimbursement Plan that turns FICA tax dollars into premium employee benefits.
SIMERP stands for Self-Insured Medical Expense Reimbursement Plan. Under IRS Section 125, it allows employees to fund qualified wellness benefits with pre-tax dollars, reducing FICA taxes for both employer and employee while providing access to comprehensive virtual care.
Here's what makes SIMERP unique:
✔ Automatic Tax Savings
Designed to meet IRS Section 125, ACA, and ERISA guidelines, keeping your business audit-ready.
✔ Fully Compliant
Built to help businesses save an average of $640 per employee annually through payroll tax reductions.
✔ Virtual Care Access
Provides employees with 24/7 access to virtual care, mental health support, and affordable prescriptions at no added cost.
See What Your Business Could Save
Enter your number of full-time employees to instantly calculate your annual FICA tax savings. Most businesses are surprised by how much they're leaving on the table.
Whittwood Consulting in Partnership with EHP and Revive Health
Revive Health delivers virtual care, preventive health, and wellness services that employees actually use (50-70% engagement vs. industry average of 10-20%).
EHP provides the compliant pre-tax framework under IRS Section 125, ACA, and ERISA standards.
Why Choose a SIMERP for Your Business?
Turn payroll tax savings into measurable advantages across your entire organization.
Struggling to balance competitive benefits with budget constraints? SIMERP offers a proven solution to lower costs while enhancing employee wellness and satisfaction.
How a SIMERP Works
Three simple steps to lower taxes and better benefits
Simple Setup, Zero Disruption
We handle everything. You're capturing savings within weeks.
Week 1-2: Setup
We handle payroll integration and compliance documentation.
Week 3-4: Launch
We provide employee communications, enrollment support, and activation.
Ongoing: Automatic
FICA savings flow automatically every pay cycle with zero effort from your team.
Common Questions
-
This uses the same IRS tax code that allows 401(k) and FSA deductions. The only real ‘catch’ is just the time it takes to bring us in and get your team set up. We handle the heavy lifting, but there’s still a short onboarding window to make sure everything transitions smoothly. After that, it runs itself.
-
EHP has structured this program specifically to meet IRS Section 125 requirements, along with ACA, ERISA, HIPAA, and ADA standards. This is the same pre-tax mechanism used by millions of employers for decades. We provide full documentation and support.
-
It's surprisingly simple. EHP and Revive Health manages the entire setup process. Most clients are fully operational within 3-4 weeks. We integrate with your payroll system, handle employee communications, and provide ongoing support. You focus on running your business.
-
A SIMERP is different from an HSA or FSA because it’s employer-funded and works at the company level. HSAs and FSAs use the employee’s own pre-tax money, while a SIMERP reclassifies part of wages into a tax-free medical benefit funded by the employer. That means both the company and employees save on payroll taxes, with no accounts to manage, no contributions required, and no changes to existing benefits.