The employee’s income subject to payroll taxes is reduced by participation in the wellness plan through a Section 125 or Cafeteria Plan which also reduces the matching FICA tax obligations of the employer. Participating employees then purchase a post tax, self-funded, limited benefit indemnity medical plan. You save money and there is no reduction in the employee’s take-home pay. In addition your employees are provided with additional insurance benefits which can include: accident, critical illness, cancer, hospital indemnity, and cash value life insurance at no net cost to the employee.