Heritage Financial Advisors
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Business Health InsurANCE

Reduce Tax Liability & Increase Employee Health Benefits

At Heritage Fiancial Advisors, we make offering health insurance benefits easier, smarter, and more affordable for small businesses. Our comprehensive strategies provide a new way for small businesses with W-2 employees to deliver meaningful health insurance coverage their teams will appreciate. 


With industry-tailored solutions integrated with the Affordable Care Act, Heritage Fiancial Advisor helps employers save up to $650 per employee in FICA taxes—without adding costs to the business. How? By using ACA tax codes introduced in 2013 to expand workforce benefits at no cost to employers. It’s healthcare reimagined—giving you savings while giving your employees the protection they deserve.


SIMERP

Self Insured Medical Expense Reimbursement Program

(SIMERP) is an employer-sponsored workplace program that allows employees to upgrade their benefits while reducing both the employers's & employee's healthcare cost & expenditures.  SIMPERP reduces business payroll by up to $1120 per W2 employee.  

Flexibility

Self Insured Medical Expense Reimbursement Program

No changes to existing benefits are required, and employees have the flexibility to select the options that best suit their needs.  The program is cost-neutral for employees, ensuring no reduction in take-home pay.

Schedule a Discovery Call Today

Schedule your discovery call to learn how we can significantly reduce your company's FICA taxes while offering premium employee benefits at no net cost or impact on employee pay. Our innovative approach simplifies compliance, boosts employee satisfaction, and delivers measurable financial savings. 

Schedule Call

Reach Out to Us Today!

Call us now and speak directly with a licensed insurance agent.

 

Heritage Financial Advisors

kstewart@heritagefinancial-advisors.com (754) 284 - 9500


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