LessFICA is a paid affiliate of IronGate Business Advisors and earns compensation when clients it refers enroll in an IronGate program.
Give your employees 24/7 care and $0 generics, at no out-of-pocket cost.
Unlimited 24/7 virtual urgent and primary care, mental health counseling and 4,600+ generic medications at no cost for full-time employees. Employers may also see FICA savings every payroll.
Benefits are delivered at no out-of-pocket cost to the employer or employees.
*Not all benefits are guaranteed. Benefits vary by program and are disclosed during your consultation.
20-minute call with a licensed program advisor from IronGate Business Advisors. No obligation.
Benefits your team will actually use
Full-time employees get on-demand virtual care around the clock, $0 generic prescriptions delivered to their door and in-person primary care with a $0 copay. Up to 7 more people in their household can use the virtual care too.
Unlimited 24/7 virtual urgent care and primary care, $0 copay
Mental health counseling with a licensed clinician: unlimited topics, 4 visits per topic
4,600+ generic medications at no cost, with 12 free shipments a year
Household access for the employee plus up to 7 more members, with no legal dependent relationship required
*Not all benefits are guaranteed. Benefits vary by program and are disclosed during your consultation.
*The individual sharing this information is a referral partner and is not licensed to sell insurance or provide program guidance. All questions and enrollments related to the preventive care benefit plans will be handled exclusively by a licensed IronGate professional.
20-minute call with a licensed program advisor from IronGate Business Advisors. No obligation.
How it works
A pre-tax deduction lowers taxable wages.
A fixed pre-tax deduction is applied to each participating employee's paycheck, so FICA (still 7.65%) is calculated on a smaller amount.
Your company pays less FICA.
The savings show up every time you run payroll. On bi-weekly payroll, that's about $46 per full-time employee per payroll.
The tax savings fund the benefits.
Employees' tax savings help pay for their participation and cover the program fees, so there are no out-of-pocket costs for the employer or employees.
*Benefit availability and tax treatment are subject to employee eligibility, participation status, and applicable federal regulations. Not all employees will qualify for all benefits described. Benefits, contribution amounts, and coverage features may vary based on payroll structure, employment classification, hours worked, and plan administration. This material is for informational purposes only and does not constitute legal, tax, or accounting advice.
Is your company a fit?
- 20 or more W-2 employees
- Full-time employees who average 30+ hours a week and earn at least $26,000 a year
- Part-time employees (30 hours a week or under, earning at least $16,000 a year) may also be eligible
- W-2 employees only. 1099 contractors aren't eligible.
- Employees currently enrolled in Medicaid aren't eligible
Final eligibility is decided by the program's advisors during the eligibility review.
20-minute call with a licensed program advisor from IronGate Business Advisors. No obligation.
From first call to first payroll savings
Typical implementation runs about 4–6 weeks from the discovery call to first payroll savings.
- 20-minute discovery call
- Send payroll data
- Review your proposal
- Sign the engagement letter and carrier paperwork
- Provide the employee census
- Employee onboarding town hall
- Savings start on the next payroll
20-minute call with a licensed program advisor from IronGate Business Advisors. No obligation.
Work somewhere that should offer this?
The program runs through your employer's payroll, so your employer has to set it up. We'll give you a short, ready-to-send note for your owner or HR.
Get the ask-your-employer kitSee what your team could get.
A 20-minute call with a licensed program advisor. They'll review your eligibility and potential savings. No obligation.
20-minute call with a licensed program advisor from IronGate Business Advisors. No obligation.