Wellness plan
An ounce of prevention,
a pound of savings
Shift routine care to the Wellness Plan, and your health insurance renewal has less to price against next year.
Preventive
Tax-advantaged
Works quietly
AgentDavidCares.com does not provide tax advice. Tax savings vary by individual.
Please consult your accountant or tax advisor
What a Wellness Plan Actually Is
A Wellness Plan shifts eligible expenses toward preventive care,
reducing the high-cost claims that drive your group health renewal higher year over year
It also generates real tax savings through Section 125,
lowering taxable income for both the employer and the employee
Why It Matters
9 in 10 Americans skip the preventive screenings their own doctors recommend
Only 5 percent received every recommended preventive service in 2020
For every dollar spent on workplace wellness, $3.27 comes back in reduced costs (NIH/Baicker)
Preventive healthcare returns $14.30 for every dollar spent (OECD)
What This Means For Your Business
Lower claims driving your renewal higher year over year
Real tax savings for the business and for every employee on the plan
Works quietly in the background, no change to how employees use the group health plan they already have
FAQ
Q: What is a Wellness Plan?
A: A plan that shifts eligible medical expenses toward preventive care and
generates tax savings through Section 125 for both employer and employee.
Q: Does a Wellness Plan replace group health insurance?
A: No. It works alongside group health, wellness, and any other coverage already in place,
reducing claims rather than replacing coverage.
Q: How does the tax savings actually work?
A: Section 125 reduces taxable income,
which lowers federal income tax, FICA, and often workers compensation premiums for the employer.
AgentDavidCares.com does not provide tax advice, consult your accountant.
Q: Why don't more employees use their preventive care?
A: Often nobody explains it clearly at enrollment,
or it never gets used because the benefits guide sits unread.
A well-run Wellness Plan closes that gap.
Curious what a Wellness Plan could save your group before the next renewal?
Let's talk.
General Disclaimers/Disclosures to Satisfy the Attorneys/Legal Dept
I am a licensed Insurance Agent in any state I do business in
I am not an attorney, I do not give legal advice but I know some if you need one
I am not an accountant, I do not give tax advice but will direct you to talk to one and have some I can introduce
I am not a doctor, I do not give medical advice but I can help look up doctors in your network
I represent multiple carriers so I have more options for you
I mainly do virtual appointments, I live on top of a mountain in the middle of nowhere (about 45 minute to Crossville...you know, the BIG CITY ;)
And an hour north of Chattanooga TN
Some policies are guaranteed issue, some require underwriting
Your privacy is important to me, if you are referred to me by someone, I might tell them "Thank you for the referral" but will not use your name or discuss our conversation
Not all products are available in all states
We do not offer every plan available in your area. Currently we represent 4 organizations which offer 26 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options
AgentDavidCares.com does not provide tax advice. Tax savings vary by individual. Please consult your accountant or tax advisor.
Updated 08/23/2026
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