Unlock up to $600 per employee per year — no changes to pay or benefits

IRS-Compliant. Proven. Trusted by Businesses Nationwide.

IRS-aligned • §105 • §106 • §125 • §213(d)

Unlock up to $600 per employee per year — no changes to pay or benefits

IRS-Compliant. Proven. Trusted by Businesses Nationwide.

IRS-aligned • §105 • §106 • §125 • §213(d)

What is SIMERP?

SIMERP: Self Insured Medical Expense Reimbursement plan. A compliant employer health benefit using IRS §§105/106/125/213(d) to reimburse qualified medical expenses pre-tax. Think HRA-style reimbursements — modernized and easy to administer.

IRS-Compliant by Design

Reimburses only eligible §213(d) expenses (doctor visits, Rx, dental/vision, deductibles). No cash for “activities.”

No Disruption

Works alongside your existing health plan and payroll. No carrier changes. No reduction to take-home pay.

Real, Predictable Savings

Typical net employer savings around $600/employee/year — scales with headcount.

How It Helps

Employees use a pre-tax allowance each month to pay for eligible health and wellness benefits they choose.

Employers typically see ~$500-600 per employee per year in payroll tax savings.

Many employers also realize meaningful reductions (often cited around ~20%) in workers’ comp premiums when taxable payroll is lowered.

Why Employers Adopt It

Cost advantage: Add valued benefits without increasing total compensation costs or changing existing carriers.

Customization: Tailor benefit options to workforce needs (demographics, locations, roles).

Control & risk management: Greater visibility into plan design and spend; proactive management of claims exposure.

Retention & culture: Preventive-care focus and expanded benefits improve satisfaction and reduce turnover.

What Employees Experience

Keep the same take-home pay.

Get access to a menu of voluntary benefits (e.g., critical illness, life, dental, accident & disability, and other §213(d)-eligible expenses).

Choose what matters most to them, using their tax-advantaged monthly allotment.

Unlock up to $600 per employee per year — no changes to pay or benefits

Unlock up to $600 per employee per year — no changes to pay or benefits

What is SIMERP?

IRS-Compliant by Design

No Disruption

Real, Predictable Savings

How It Helps

Why Employers Adopt It

What Employees Experience

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