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Featured · Buoy CHAMP
Make open enrollment affordable.
$573.60estimated employer FICA savings a year, per enrollee
Estimate your savings
buoy CHAMP
Better care for your team. More savings for your business.
Buoy CHAMP gives employees $0 copay everyday medical and mental healthcare, in a benefit that saves your business money.
- No net cost to employees
- No disruption to current benefits
- Section 125 audit defense included
Savings calculator
See what CHAMP gives back.
Enter where your team works, your headcount and average pay. You get the same estimate the Buoy app gives, with every assumption shown.
Your Buoy CHAMP estimate
Add your states, headcount and average pay. Your estimate shows here as you go.
What is the CHAMP plan?
Everyday care your team will actually use.
CHAMP makes everyday care easier and more affordable, creates FICA tax savings and works alongside the medical plan you already have.
Who it's for
Small and midsize businesses, especially 50+ W-2 teams, that want high-value care that protects margins.
How employees use it
A mobile app with 24/7 virtual care, $0 copay prescriptions and mental health support for them and their families.
How it's funded
Built-in Section 125 tax efficiency lowers payroll tax and often increases take-home pay.
Make open enrollment affordable
Offset rate hikes before renewal.
Pair $0 copay everyday care with built-in FICA tax savings.
$573.60
estimated employer payroll tax (FICA) savings a year, per enrolled employee
Benefits that count
Real value for your people and your business.
For employees
Zero out-of-pocket for everyday care.
- Unlimited primary and urgent care100% of office visit charges for First Health providers.
- Direct primary care24/7 personalized care and a dedicated healthcare advocate.
- $0 copay prescriptionsCovers 85% of commonly prescribed daily medications.
- Mental health consultationsVirtual support for stress, wellbeing and health risks.
For employers
Stronger margins, easier retention.
- Direct FICA reliefLower payroll taxes on reduced wages, often over 7.65% depending on setup.
- A hiring advantageBenefits employees use every week, not just on paper.
- No infrastructure frictionPlugs into your current payroll without disrupting existing insurance.
- Steadier renewalsRouting everyday care to virtual primary care reduces claims on your major medical plan.
Full clinical reach
Medical, mental health and more, for the whole family.
Everyday medicine
- Cold, flu and respiratory infections
- Allergies, asthma and skin conditions
- Joint pain, backaches and sprains
- Digestive issues and acid reflux
Mental and behavioral health
- Anxiety, depression and daily stress
- Relationship and parenting issues
- ADHD, life changes and coaching
- Grief, loss and substance use
Extended benefits
- Unlimited virtual vet consults
- Unlimited virtual physical therapy
- Nearly 200 prescriptions at $0 to $1
How it works
Simple for your team. Automatic in payroll.
- 01
Plan setup
Buoy maps CHAMP into your existing payroll, alongside your current benefits.
- 02
Monthly engagement
Employees complete a quick task in the CHAMP app or use a covered service.
- 03
Care and pay impact
That routine unlocks the plan's claim payment and improves take-home pay.
- of audit-protected operation
- 10 years
- approved and running on major payroll networks
- ADP · Paychex · Paylocity
- extra for Section 125 compliance and audit defense
- $0
Find your industry
CHAMP works across industries.
- Transportation and fleet
- Restaurants and hospitality
- Beauty and wellness
- Logistics and distribution
- Manufacturing
- Retail
- Landscaping
- Moving and storage
- Staffing agencies
- Franchises and multi-unit
- Unions and associations
- Public sector and education
- Chambers of commerce
FAQ
Questions, answered.
How is the savings estimate calculated?
Two parts. The company saves an estimated $47.80 a month in employer FICA per enrolled employee. Each employee's take-home change comes from their state and pay, blending 60% single filers with no dependents and 40% married filers with two. The calculator above shows every figure and assumption.
Who qualifies?
CHAMP runs through payroll for W-2 employees, and fits small and midsize businesses, especially teams of 50 or more. Your payroll report shows who qualifies, person by person.
Is there anyone it doesn't help?
It can happen. Before you sign, the payroll analysis sorts every employee by how the plan changes their take-home pay, including anyone who would gain less or isn't eligible, so there are no surprises.
Does CHAMP replace our medical plan?
No. CHAMP works alongside the medical benefits you already have, with no disruption.
Is there a cost to employees?
CHAMP is designed with no net cost to employees, and often increases take-home pay.
Is it compliant?
Every plan includes Section 125 compliance and full audit defense through Harbor Shield, backed by legal opinion letters from national ERISA and tax firms.
Make open enrollment affordable this season.
Run a free savings analysis for your team.