01 Structure
Fully insured.
Underwritten by an A-rated national carrier. Licensed in 48 states plus DC and Puerto Rico. When a benefit triggers, the carrier pays. No reimbursement schemes, no creative accounting.
An independent benchmarker for owner-operated companies.
Better healthcare for your team. Same paycheck. Compliant by design.
SmartHealth+ gives your team 24/7 telemedicine, mental health and counseling support, healthcare advocacy, and supplemental cash benefits when something happens. Without changing what they take home in their paycheck. The structure also returns real savings to the employer along the way.
After reviewing thirteen providers, ONYX introduces SmartHealth+ because it is the most compliant Section 125 program we could find by IRS standards and from what we have observed in the market.
Reviewed
13 providers
Section 125, indemnity, wellness
Most compliant
SmartHealth+
Fully insured by an A-rated national carrier
Posture
Independent
No carrier ties. The provider pays our fee, not you.
For your team
Real coverage. Real care. Real claims.
Your team does not care about Section 125. They care about whether someone helps when something happens, whether they can talk to a doctor at 2am, and whether their bills make sense at the end of the month.
SmartHealth+ is built around what employees actually use, not what looks good in an HR brochure.
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24/7 telemedicine, mental health, and counseling.
Stress, anxiety, family challenges, common medical issues, all handled without long waits or extra co-pays. Real support for the things that come up between annual checkups. -
Healthcare advocacy and bill navigation.
A real person helps employees understand their bills, find the right providers, and actually use the coverage they already have. Healthcare gets confusing fast; this is the help they actually need. -
Wellness and lifestyle support.
Fitness, nutrition, weight management, and smoking cessation built into the program. Proactive support, not afterthought perks. -
Supplemental cash benefits when life gets expensive.
When a covered medical event happens, employees get cash, paid alongside their existing major medical, never in place of it. A real financial cushion when they need it.
Take-home pay stays the same. The structure pays for itself in employer savings, not in a smaller paycheck for the people you are trying to take care of.
Who runs ONYX
A benchmarker. Paid by the provider, not by you.
I run ONYX out of Sheridan, Wyoming as an independent benefits benchmarker. No captive carrier relationships, no in-house insurance license. The provider pays the referral fee, disclosed at the time of introduction. That order matters. If I take a fee from the employer, the incentive is to sell. With the provider paying, the incentive is to walk away when something does not fit.
After reviewing thirteen providers across §125, indemnity, and wellness, SmartHealth+ was the most compliant program I could find by IRS standards and from what I have observed in the market. Three structural reasons: it is fully insured by a national carrier, benefits pay on real medical events the way doctors and carriers expect, and the math is conservative and honest. That is why it is the only program I introduce.
- Reviewed
- 13 providers across §125, indemnity, wellness
- Chosen
- One. SmartHealth+.
- Carrier ties
- None. Independent.
- Compensation
- Provider pays the fee, disclosed upfront
Why SmartHealth+
Three reasons it stands apart.
Structure, design, and economics. Each one is a place other programs fall short.
02 Design
Real medical events.
Benefits pay on actual medical events, coded the way doctors and hospitals already code them. Not a wellness checkbox or a participation gimmick. Compliant with IRS standards, simple to explain to your team.
03 Economics
Honest math.
Conservative savings numbers. Documentation that holds up to your CPA, your counsel, and any reasonable diligence. Designed to work in the real world, not just on a sales slide.
How it works
Plain English.
The mechanics are technical. The result is simple: your team gets stronger benefits, nobody's net pay drops, and the business sees real savings along the way.
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Step 01
Pre-tax contribution
A portion of each participating employee's pay is set aside pre-tax under a Section 125 plan. Standard cafeteria plan structure, used by employers nationwide.
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Step 02
Program funding
Those dollars fund the fully insured indemnity benefit and wellness program. The engine behind telemedicine, mental health, advocacy, and supplemental protection for your team.
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Step 03
Net pay stays flat
Adjusted structure means employees do not see a smaller paycheck when implemented correctly. The value comes through in benefits, not in a wage cut.
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Step 04
Employer savings
The structure returns real, conservative, documented savings to the business along the way. Predictable, defensible, and built into the design.
You do not need to be an expert in tax law. You need a structure that has been reviewed, explained clearly, and implemented by a licensed team that does this every day. That is what SmartHealth+'s team handles after the introduction.
The numbers
A rough estimate of what the business gets back.
The team benefit is the point. The savings to the business are the bonus. The math is conservative on purpose, because we choose programs that work in the real world rather than ones that look loudest on a slide.
Adjust the slider for your headcount. The number on a call will be tighter, based on your actual payroll, participation rate, and wage levels.
25
500+
Estimated annual employer savings
$56,250 to $63,750
Roughly $375 to $425 per employee per year
Estimate based on a typical SmartHealth+ design with approximately $400 to $475 per-employee monthly pre-tax §125 contribution (indemnity premium plus preventive care and wellness program), multiplied by the 7.65% employer FICA rate. Actuals depend on plan design, participation rate, and wage levels relative to the Social Security wage cap. Refined on a call against your real payroll.
Fit
Who this is, and isn't, a fit for.
- 50 to 400 employees on payroll.
- Group health coverage in place today, with the cost pressure showing up at every renewal.
- Want to give your team a stronger benefits story without adding a big new line item.
- Will spend 15 minutes to understand whether the structure works for your specific situation.
Not a fit if you are looking for a tax trick. A fit if you want to take care of your team in a real way, with a structure that holds up.
The call
Fifteen minutes. No pitch.
Qualification, not closing. The conversation:
- Review your headcount, current benefits, and how your team uses what you already offer.
- Walk through what SmartHealth+ would actually deliver for your team and your business.
- Run the savings math against your real numbers. Tighter than the calculator above.
- If it fits, warm intro to the licensed SmartHealth+ team. If it does not, you will know why.
No obligation. No promised savings number before your data is reviewed. No pressure to move forward.
Book Ryan
A short call to see if this is right for your team.
The slider is a rough estimate. The conversation that matters is the one we have against your actual headcount, your current benefits, and what your team is asking for. Fifteen minutes, no obligation.
- Qualification, not a sales pitch
- Built around your team's actual needs
- Warm intro to SmartHealth+ if there is fit
Most §125 cafeteria plans operate on the calendar year. To stand up SmartHealth+ for a January 1 plan year, the cleanest runway is to start the conversation in Q3.
Schedule via Google Calendar
Pick a fifteen-minute slot.
Mountain Time. The calendar shows the next available openings on Ryan's schedule. No obligation, no sales pressure.
Open Ryan's calendarOr email ryan@onyxpartner.org directly.