The Americare PCMP program reduces your payroll tax liability and delivers a full suite of employee health benefits — at $0 net cost to you or your team. IRS-compliant. Available in all 50 states.
Net savings per W2 employee per year
Annual savings for a 23-employee company
Employee enrollment rate
Nationwide availability
By restructuring a portion of employee compensation through an IRS-compliant Section 125 cafeteria plan, employers reduce their FICA, FUTA, and state unemployment tax obligations — generating real, recurring savings with every payroll cycle.
Employees receive a comprehensive suite of health benefits — dental, vision, telemedicine, mental health, prescription savings, and more — at absolutely no out-of-pocket cost. The program is structured so that the tax savings fund the benefits entirely.
Our implementation team handles every step of the process. No disruption to your payroll system. No cost to get started.
We review your payroll data and calculate your exact savings potential — at no cost and no obligation.
Our compliance team structures the Section 125 plan and Section 105(b) SIMRP specific to your workforce.
Employees are educated and enrolled. Our team handles all communications and onboarding materials.
Savings are realized with every payroll cycle. You receive detailed reporting and ongoing compliance support.
In today's competitive hiring environment, offering comprehensive health benefits is no longer optional. The Americare PCMP program gives every W2 employee access to a robust benefits package — without adding a single dollar to your payroll costs.
"Americare introduced a benefits strategy that immediately improved our margins without compromising quality. Their approach is thoughtful, compliant, and easy to integrate. We're seeing tangible savings and stronger engagement from our team."
"Partnering with Americare helped us extend care in a practical and empowering way. It wasn't just about saving money — it was about honoring our people. The implementation was seamless."
"Working with Americare has been a great experience. Their team made everything easy, from educating our staff to handling the entire rollout. The tax savings were noticeable right away."
The PCMP program is designed for established businesses with a consistent W2 workforce. Most businesses with 10 or more full-time employees qualify. Here are the basic requirements:
Business owner or authorized decision maker
You own or manage the business
10 or more full-time W2 employees
Not counting owners or 1099 contractors
$30,000 or more average annual salary
Per W2 employee
Consistent, non-seasonal payroll
Regular pay cycles throughout the year
Find out exactly how much your business could save. Our analysis is completely free, takes less than 10 minutes, and comes with no obligation.
Takes less than 10 minutes. No obligation.
A complete guide to the Preventive Care Management Program — the IRS-compliant benefit strategy that reduces employer payroll taxes while delivering premium employee health benefits.
A detailed breakdown of how the PCMP program reduces FICA, FUTA, and workers' compensation costs through a compliant Section 125 cafeteria plan structure.
From telemedicine to dental and mental health services — a full breakdown of the benefits employees receive at $0 out-of-pocket cost through the Americare PCMP program.