Confidential — for authorized broker use only
What if preventative healthwas a financial strategy?
Healthcare forces companies to treat care as a line item. That's backwards. We asked — what if we restructured it as a funding mechanism? Recognized in the U.S. tax code since 1978. The rules were already written. We just connected the dots.
And 1,570+ employers already benefit from it.
Audited. Adopted. Proven.
1,570+
Employers benefit
520+
Employer launches
$47M+
Benefits processed — zero compliance issues
4/0
Audits passed / violations
75-90%
Adoption vs. industry 30-40%
12+ yrs
Implementation history
The Real Problem
The healthcare system monetizes illness, not health.
People don't skip care because they don't want it. They skip because the system made it hard, expensive, and confusing.
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Illustrative editorial photo: an overwhelmed CFO/HR director at a desk staring at a stack of medical claims invoices. Conveys the friction and cost burden of the current system.
The Structural Difference Nobody Talks About
Wellness looks like healthcare.Preventative health actually is.
One is a workplace initiative. One is federally defined healthcare. The industry blended them together. The IRS never did.
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Side-by-side IRS code comparison diagram: §132 (Wellness — gym icon, taxed, 40-60% adoption) on the left vs §213(d) (Preventative Health — medical icon, IRS-backed, 75-90% adoption) on the right. Gold and dark gold tones matching brand.
Section 132
Wellness
- Gym stipends, step challenges, smoothie bars
- Taxed to employee
- 40–60% adoption
- Optional — nice to have
Section 213(d)
Preventative Health
- Doctor-led care, labs, mental health, chronic disease mgmt
- IRS-backed structured medical care
- 75–90% adoption
- Moves the needle
Same Paycheck. Better Benefits.
No real change to take-home pay.Real savings. Real benefits.
Concrete Example
$4,200 salary. Add $625 Cafeteria Plan (pre-tax). Saves $122.81 per paycheck in taxes.
Savings fund UL Insurance + PHP Admin. Net pay: identical at $3,329.04.
Out-of-Pocket Cost
$0
Employee tax savings: $2,193.72/yr
Employer FICA savings: $47.81/mo per EE
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Screenshot of the Oaceus member app on a smartphone, held in a hand. Shows the home grid with tiles for Primary Care, Urgent Care, Dermatology, Psychology, Psychiatry, Pet Health, Pharmacy, MSK, Behavioral Health — each with $0/FREE labels.
One Portal. Complete Health. Zero Friction.
75–90% utilization vs. industry standard 30–40%.
When employees can't find a benefit, they don't use it. We solved that. One login. Medical, mental health, specialists, preventative, financial security — everything in one place.
High participation isn't nice-to-have. It's what makes the tax strategy work.
One Decision
Four Stakeholder Wins
Employee
Your paycheck doesn't change but your access to care does
- 16+ benefit types, everything actually covered
- $0 copay & easy access to care
- Universal Life Insurance that goes where you go
- Long-term financial protection for your family
CFO
EBITDA improves 1–2 points immediately + found money
- No new spend. New money unlocked.
- FICA is the floor. Everything else is upside.
- Outcomes driven by structure, not assumptions
- 3–5x ROI in Year 1, compounding Year 2+
HR
Day-to-day administration led by Oaceus
- Enrollment designed, supported, and executed end to end
- 80% of the lift is on us, by design
- Technology-driven compliance with operational oversight
- Less HR time than a voluntary dental plan
CEO
People-first strategy that strengthens the bottom line
- Attracts & retains talent that stays
- Shields against medical inflation
- Leading by design, not spend
- Culture that earns loyalty
Perpetual Tax Savings = Permanent EBITDA Lift
This is not a benefit expense.It's an EBITDA strategy.
$324,900
Annual FICA savings (500 EEs)
6×
Conservative valuation multiple
$1,949,400
Enterprise value increase
Most companies hope people use their benefits. This saves money even if they don't. FICA is the floor. Everything else is upside.
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Confident broker/advisor in a business meeting, shaking hands with a CFO client. Warm lighting, gold accents. Communicates trust and the broker as the hero who brought a winning strategy.
For Brokers
All brokers sell benefits.You're about to sell strategy.
Your book is protected — medical, dental, vision commissions untouched. And you walk in with a funded solution and real math. You don't lose your business. You become the reason they stay.