NO NET COST BENEFITS TO EMPLOYER AND EMPLOYEE.

Employer Averages $1,000 Pretax Profit Per Employee Per Year. Employee Gets Zero Net Cost Medical Benefits & Increased Take Home Pay.

What is Proactive Health Benefits?

Innovative Health Benefits Solution

With access to hundreds of free prescriptions and dental and vision services, exclusive pharmacy benefits, unique blood panel testing and assessments, and more, your employees are empowered to create a proactive approach to their health.

Healthy and Productive Workforce

At PTE, we understand the importance of a healthy and productive workforce for driving profitability. That's why we've partnered with highly qualified health benefits companies to empower your employees with the tools and resources they need to thrive. Our goal is to support your organization by providing a tailored solution that not only meets your healthcare requirements but also aligns with your company's vision for a healthier, more engaged workforce.

How Does Proactive Health Benefits Work?

Complimentary Health Benefits Solution

The health benefits program offers complimentary advantages to employees, backed by a reputable insurance provider with an A.M. Best Excellent rating, ensuring reliable coverage and financial stability. Participation in the plan results in a net increase in employees' take-home pay, providing them with additional financial flexibility..

Substantial Cost Savings

Employers can expect substantial cost savings, with an average annual reduction of $1,000 per employee per year, improving their bottom line and resource allocation. Proactive Health Benefits provides comprehensive support, encompassing implementation, enrollment, administration, payroll integration, and advanced analytics reporting. This seamless end-to-end solution allows companies to reap the benefits without diverting internal resources or expending additional effort..

Who Can Get Proactive Health Benefits?

Employees Earning a W-2 ncome

All company employees earning a W-2 income are able to apply for the Proactive Health Benefits. Employees earning at least $22,000 per year will have increased tax home pay, but all employees may participate. Proactive Health Benefits was designed to be an inclusive program that supports the overall well-being of a company's entire workforce.

Eligibility to all W-2 Employees

By extending eligibility to all W-2 employees, regardless of income level, we aim to foster a culture of health and financial security that benefits the organization as a whole. This holistic approach ensures that every member of your team can access the valuable resources and protections offered by the Proactive Health Benefits plan, empowering them to lead healthier, more productive lives. Our goal is to create a rising tide that lifts all boats within your employee population..

PTE's Exclusive Advantages over our Competitors

  • $180 more profit per employee than any known competitor
  • Seamless payroll integration with 100% accuracy
  • Complete compliance with IRS guidelines and CCAs
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    Why Business Leaders Adopt This Program

  • Immediate Profitability – Payroll tax savings start with the first payroll run, increasing corporate value from day one.
  • Zero Out-of-Pocket Costs – Fully self-funded from the savings it creates.
  • Non-Disruptive – No impact to existing insurance, retirement, or benefit programs.
  • Proven, Packaged Solution – Not a custom plan requiring months of legal work.
  • Employee Win-Win – Valuable wellness benefits and tax-free claim payments with no decrease in take home pay.
  • Effortless HR Administration – Our team and the program's TPA handle setup, enrollment, and compliance — with ongoing payroll deductions and savings calculated automatically.
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    Key Points of Proactive Health Benefits

    COMPLIANCE: This is not a gray-area tax strategy.

    This program is fully compliant with IRS regulations, including all applicable Code Sections and Chief Counsel Advice (CCAs). It has been vetted through multiple independent legal reviews, confirming it does not create excess benefit risks, violate MEC requirements, or alter existing ERISA-covered benefits. Every payroll deduction and claim payment is structured to ensure pre-tax eligibility under IRC §125 and IRC §213(d).

    Risk-Free Implementation and Guaranteed Results

    From day one, this program is engineered to eliminate risk for the employer. All payroll processes are tested in a controlled environment before launch, ensuring 100% accuracy in deductions, claims, and tax calculations. Every element of administration is handled by our experienced TPA, backed by compliance audits and real-time reporting.

    Trusted by Industry Leaders Nationwide

    This program is in active use by companies across industries — from fast-growing regional brands to national corporations generating millions in added annual profit. Organizations such as Sun Holdings, PrismHR, and Insperity have integrated the program into their payroll operations with zero disruption, achieving sustained savings month after month. With decades of combined expertise from our implementation team and third-party administrators, every client benefits from proven processes, meticulous compliance oversight, and measurable bottom-line results.