Freed Wealth · LLCSection 125 · Self-Insured Concierge Managed Medical Plan
Free your payroll.
Elevate your benefits.
A compliant, IRS-aware benefit strategy that wraps around your existing major medical — delivering concierge care to employees and potential payroll tax savings to employers.No replacement. No gimmicks. No net cost.
~$630 / employee / year potential payroll tax relief · 80–100% opt-in
The strategy
Major medical handles the big claims.
We handle everything else.
What stays in place
Your major medical plan remains the foundation — hospital care, surgeries, specialists, chronic conditions, emergency care, and large claims. Nothing replaces it.
What we add around it
A wraparound concierge layer: virtual care, prescription support, navigation, mental health, and reimbursement design — all delivered through Amaze Health and a compliant Section 125 structure.
The numbers
Funded with tax savings — not payroll deductions.
When properly structured and administered, freed-up dollars fund stronger benefits without asking employees to pay more out of pocket.
Estimates only. Actual results depend on plan design, employee census, payroll profile, and proper administration.
Concierge healthcare
Powered by Amaze Health
Amaze is the wraparound healthcare layer — real medical guidance, virtual care, prescription support, and navigation. Employees get help deciding what step to take next, before small issues become expensive claims.
Access to approximately 1,200 common prescriptions — many available with no copay, others heavily discounted.
Built on solid ground
Compliance is the foundation, not the afterthought.
This is not magic money. This is not a tax trick. It is a properly structured employee benefit strategy — IRS, HIPAA, and ERISA aware.
IRS-aware design
Built the opposite of the plans the IRS warned about in CCA 202323006. Healthcare benefit comes first; reimbursement is tied to eligible expenses.
Properly documented
Section 125 plan document, integrated 105 plan structure, ACA participatory framework (Federal Register, Vol. 78, June 3, 2013, pg. 33,161).
Substantiated claims
Eligible expenses are properly substantiated. Plan must be administered correctly — that is the entire point.
Wraps, never replaces
Coordinates with your existing major medical plan. Compliance and congruence keep the program on solid ground.
Next steps
Every employer is different.
Let's see if this fits yours.
Book a short meeting. We'll review your current benefit structure, employee needs, and payroll profile. Send a basic employee census and we'll return a precise tax savings analysis. If it's not a fit, we'll tell you.