LessFICA is a paid affiliate of IronGate Business Advisors and earns compensation when clients it refers enroll in an IronGate program.
Getting started with the benefits
Who can join, how household members are added and what happens between sign-up and the first visit.
Book a 20-minute discovery callI'm an employee20-minute call with a licensed program advisor from IronGate Business Advisors. No obligation.
Who can join
The business
- Enrolls through its employer, since employees can't sign up on their own
- Has 20 or more W-2 employees
- Can be located in any of the 50 states (fees and savings may vary by state)
The employee
- Full-time: averages 30+ hours a week and earns $26,000+ a year
- Part-time: works 30 hours a week or less and earns $16,000+ a year
- Is an active employee who meets the criteria (people enrolled in Medicaid can't participate through pre-tax payroll deductions)
The household
- Up to 7 additional household members, for 8 people in total
- Members don't need to be legal dependents
- Changes can be made at open enrollment or after a qualifying life event
From discovery call to first visit
Discovery call
The employer meets with a licensed IronGate program advisor.
Plan goes live
It takes about 4–6 weeks from the discovery call to the first payroll savings. Most employees are enrolled automatically.
Employee Q&A
A 30-minute session walks employees through the benefits.
Logins arrive
Login details typically arrive 2–3 weeks after go-live. Benefits can be used right away.
Common questions
What do employees pay?
Nothing out of pocket. The program has fees, but they are covered by the payroll tax savings for employees and the employer, so there are no out-of-pocket fees or costs. Take-home pay doesn't change.
Is there paperwork or claims to file?
Most employees are enrolled automatically by their employer, and there are no reimbursement claims to file. Care is accessed directly.
Is an insurance card needed?
Not for virtual care, which works through the app, the online platform or by phone. Eligible employees receive their MEC card by email.
Will the employer see health information?
No. The program follows HIPAA, and the employer only gets general participation data, not personal health records.
Does it replace current health insurance?
No. Employees keep their current coverage, and no existing insurance is required.
Do the benefits expire at the end of the year?
No. Benefits stay active as long as the employee remains enrolled and the employer maintains the program.
What happens when someone leaves the job?
The benefits are for active employees and end when employment ends.
Can an employee opt out?
Yes. Employees can opt out using the link in the program's newsletter email.
Who answers tax or coverage questions?
A licensed IronGate professional handles all plan, coverage and enrollment questions. LessFICA does not give tax, legal or insurance advice.
Want these benefits for your team?
Business owners and managers
See whether your business qualifies (20+ W-2 employees) and what your employees would get. The program has fees, but they are covered by the payroll tax savings for employees and the employer, so there are no out-of-pocket fees or costs.
Book a 20-minute discovery callSee employer details20-minute call with a licensed program advisor from IronGate Business Advisors. No obligation.
Employees
The program is set up by employers, so employees can't sign up on their own. Share LessFICA with your employer, or see what the program means for you.
For employeesMore benefits
- ← All benefitsBack to the benefits overview.
- Virtual care & mental health24/7 doctor visits and counseling by phone or video.
- PrescriptionsThousands of generic medications at a $0 copay.
- Wellness, labs & perksLab work, coaching, vitals tracking and everyday discounts.
- Full-time vs part-time plansWhat each plan includes, side by side.
*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.
*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.
Product availability and features may vary by state.