Enhance Employee Benefits with Cost-Effective Health Insurance

Summit Health Benefits helps small and mid-sized businesses provide real healthcare to their employees at zero net employer cost — using IRS-compliant Section 125 FICA tax savings to fund the plan.

Our Mission

To make quality healthcare accessible for every W-2 employee regardless of employer size or industry — by turning existing payroll tax obligations into a funding mechanism for real benefits.

How We're Different

Traditional health insurance brokers sell expensive group plans. Summit Health Benefits builds Section 125 structures where FICA savings fund benefits automatically — so employers gain competitive healthcare without adding payroll cost.

Trust

Every plan is audited by the 5th largest CPA firm, reviewed by ERISA attorneys, and fully compliant with IRS Section 125 regulations. We provide all documentation employers need for audit-ready compliance.

Care

We work with employers of all sizes — from 3-employee restaurants to 200-employee logistics companies — handling enrollment, employee communication, and ongoing administration so employers focus on their business.

Results

500+ companies enrolled across all 50 states. Average FICA savings of $91.81 per employee per month. 98% employee satisfaction. Employers like Safety Net Inc. save over $500,000 annually.

Our Commitment

No long-term contracts. No hidden fees. IRS-compliant plan documents provided. Dedicated account management. Full employee enrollment support. Licensed in all 50 states. HIPAA compliant.

Ready to Transform Your Benefits?

Schedule a free consultation with a Summit Health Benefits expert. We will analyze your payroll, calculate your exact savings, and present a customized proposal — typically within 24 hours of your first call.