PREVENTATIVE HEALTH PROGRAM >
Turn preventative health into a competitive edge.
Thriving employees build thriving businesses. Unlock the program that pays for itself.
Download The Workplace Health Crisis Whitepaper
Most businesses are paying for poor employee health, they just don’t see it yet. This guide breaks down what’s really driving rising costs, from fatigue to chronic conditions, and shows how smarter preventative strategies can improve performance, reduce claims, and create healthier teams.
When employees feel their best, they deliver.
The Sanguine Preventative Health Program makes it easy for businesses to invest in health and well-being, while unlocking tax incentives that help offset the cost.
Backed by the Affordable Care Act, it’s a smarter way to attract top talent and create a workplace where people and profits thrive together.
What is The Sanguine Preventative Health Program?
Why It Exists
Healthcare costs keep rising, employee burnout is at record highs, and companies are under pressure to attract and retain talent in a competitive market. The program was created under the Affordable Care Act’s wellness provisions to give employers a compliant, turnkey way to invest in employee health and well-being while reducing costs.
Why It Matters
A healthier, more financially secure workforce is more productive, more loyal, and are less likely to leave. Preventative health programs aren’t just about perks. They directly impact absenteeism, turnover, and healthcare expenditures. For employees, it means better access to care, peace of mind, and resources that improve daily life.
Why It's Smart
With an average $650 in annual FICA tax savings per employee, plus reduced healthcare costs and stronger retention, the Sanguine Preventable Health Program delivers measurable ROI. Backed by IRS compliance and annual audits, the program transforms employee benefits into a profit-driving business strategy.
Why Employer's Love The Program
Healthy teams, stronger business
Better employee health drives productivity, reduces absenteeism, and fuels results that show up on your bottom line.
Cut taxes, grow faster
Lower payroll tax liabilities and keep more capital in your business to invest where it matters most.
Benefits that attract top-tier talent
Stand out in a competitive job market with a preventative health program that attracts top performers and keeps them engaged.
Why Employees Love The Program
Balance that works for life.
Burnout becomes a thing of the past with programs that put well-being first. From stress management tools and health portals to personalized coaching and health assessments.
Security without the red tape.
Up to $150,000 in guaranteed life insurance that builds cash value. No exams, no blood tests, just portable coverage employees can take wherever life leads.
Healthcare made simple.
Tax-free reimbursements for qualified medical expenses and unlimited, copay-free telemedicine visits make it easier, and cheaper, to get care when it’s needed most.
Get paid to provide a preventative health program to your employees.
The average employer saves
$650 per employee
on their annual employment taxes, providing substantial tax breaks and life changing benefits to your entire company.
FICA Tax Savings are estimates based on averages only. Restrictions around employee eligability applies.
FAQs
What exactly is this program?
It’s a preventative health program that uses existing tax rules to fund additional benefits like healthcare and life insurance. Nothing new is being created or engineered. It’s simply a different, compliant way of structuring payroll to unlock value that would otherwise be lost to tax.
This sounds too good to be true. What’s the catch?
That’s the most common reaction. There isn’t a hidden catch, but there is a shift in how income is structured before tax. That change creates savings, and those savings fund the benefits. The program only works because it follows existing tax code. If it didn’t, it wouldn’t be offered at scale.
Is this actually legal and compliant?
Yes. The program is built on long-standing sections of the tax code (IRC 125, 105, and 213) that have been used for decades in employee benefit programs. It’s administered with compliance in mind, not as a workaround or loophole.
Will this reduce take-home pay?
No. The program is designed so that net pay stays the same. The funding comes from tax efficiencies, not from reducing what an employee earns.
Why are there visible deductions on paychecks?
Because the structure changes how income is treated before tax. Those deductions are what allow the tax savings to happen. Without them, there would be no additional benefits.
Will employees get a tax bill later?
No. Everything is handled through payroll, so it’s accounted for in real time. There are no surprise adjustments at the end of the year.
Will this affect an employee’s tax refund?
It may change the size of a refund somewhat, but for the right reasons. When taxes are withheld more accurately throughout the year, employees may see a smaller refund because less money was overpaid in the first place. In some cases, it may also lower an employee’s effective tax rate.
Rather than losing money, employees are simply retaining more of their earnings during the year instead of waiting for it at tax time.
Does this replace an employee’s existing health insurance?
No. An employee’s existing health insurance remains unchanged. This program sits alongside it and focuses on preventative care and additional support.
Do employees need a medical exam for life insurance?
No. The life insurance component is generally guaranteed issue, meaning no medical exams or exclusions for pre-existing conditions.
What happens if an employee leaves their job?
If an employee leaves the company, they will lose access to the PHP program but will have up to 120 days to port over their life insurance policy.
Will this impact an employee’s Social Security or future benefits?
Participation may slightly reduce Social Security tax contributions, but the impact is generally very small. For most people, the immediate value of the benefits outweighs any minor long-term adjustment.
How do employees access everything?
Through a dedicated online portal, with live support available if needed.
Does the business have to wait until the annual benefit renewal?
No. The program can be implemented whenever the business is ready.
Interested in joining our Sanguine Preventative Health Affiliate Network?
Find out more or book a call today.