The WIMPER Wellness EHP program delivers comprehensive preventive healthcare to your entire workforce — at zero out-of-pocket cost — while generating significant FICA payroll tax savings and full federal compliance.
What is EHP / SIMERP?
WIMPER Wellness is a Self-Insured Medical Reimbursement Plan (SIMERP) structured under Treasury Regulation §1.105–11. It gives every employee access to comprehensive preventive care — at absolutely zero additional cost to the employer or employee — while unlocking meaningful federal tax advantages.
Employers pay nothing extra. Employees receive full preventive care coverage with no premiums, no deductibles, and no copays.
Primary care, urgent care, mental health services, prescriptions, and preventive screenings — all included and accessible 24/7.
Structured as a SIMERP under IRC §105 and §106, the program generates FICA payroll tax savings of approximately $640 per employee annually.
Why It Matters
Whether you're an employer managing costs or an employee seeking better care, WIMPER Wellness delivers measurable value to both sides.
How It Works
From enrollment to savings — the process is straightforward, handled by our team, and compliant every step of the way.
Your company enrolls in the WIMPER Wellness EHP program. Our team handles all setup, documentation, and IRS-compliant plan design — typically completed in under 2 weeks.
Employees receive immediate access to primary care, urgent care, mental health services, prescriptions, and preventive screenings — all at zero out-of-pocket cost.
Under IRC §105(b) and IRS Publication 15, plan reimbursements are not wages. Your payroll provider adjusts FICA calculations, and you realize immediate tax savings.
You receive a detailed savings report showing actual FICA tax reductions, workers' comp adjustments, and total program ROI. Most employers see returns in the first 90 days.
Platform & Services
Every employee gets access to a complete suite of healthcare services — no copays, no deductibles, no surprises.
Unlimited primary care visits with licensed physicians. Annual physicals, chronic condition management, and routine medical care — all included.
Immediate treatment for non-emergency conditions. Skip the ER wait and get same-day care for injuries, infections, and acute illnesses.
Counseling, therapy, and psychiatric services from licensed providers. Addressing depression, anxiety, stress, and other mental health needs.
Access to a broad formulary of generic and brand medications. Prescriptions filled and delivered with zero out-of-pocket cost.
Annual wellness exams, blood work, cancer screenings, immunizations, and preventive diagnostics recommended by federal health guidelines.
Round-the-clock virtual access to board-certified physicians via phone or video. Care available from home, work, or anywhere.
Trusted Partners
We work with leading healthcare providers, compliance specialists, and benefit administrators to deliver proven results.
A growing network of healthcare and compliance partners
Compliance & Legal
The WIMPER Wellness EHP program is firmly grounded in established federal tax law and IRS guidance. Every aspect of the program has been structured to comply with applicable regulations.
The program meets the definition of a Self-Insured Medical Reimbursement Plan (SIMERP) under Treasury Regulation §1.105–11 as a written plan providing reimbursement for medical expenses.
Reimbursements for qualified medical care are excluded from employee income. The services provided — ranging from physician access to medications and mental health care — clearly fall within §213(d).
IRS Publication 15 explicitly states that reimbursements under a self-insured medical reimbursement plan are not wages and are not subject to payroll taxes or income tax withholding.
Federal tax treatment hinges on access to medical care, not the level of utilization. This excludes employer-provided health coverage from income regardless of whether services are used.
IRC §213(d) explicitly includes amounts paid for insurance covering medical care within the definition of medical care, confirming full deductibility.
While not regulated at the state level, the EHP Program meets the federal definition of insurance. It involves real risk transfer, including variability in utilization, frequency, and severity of claims.
The EHP Program delivers significant, measurable value to employees while aligning squarely with established federal tax law and IRS guidance. Its structure as a self-insured medical reimbursement plan, combined with the clear statutory definitions of medical care and longstanding tax treatment principles, provides a strong legal foundation.
Get Started
Fill out the form and our benefits specialists will prepare a personalized savings report showing exactly how much your company can save with WIMPER Wellness.
"WIMPER Wellness helped us save over $85,000 in the first year while giving our team better healthcare access than ever before."
— HR Director, 130-person manufacturing companyError: Contact form not found.
Zero cost. Maximum impact. Fully compliant.
Join hundreds of employers already saving thousands annually while giving their teams the healthcare access they deserve.
No upfront cost
Implementation in 2 weeks
Free savings analysis
Full compliance support
