SIMRP Plans: Better Benefits. Lower Payroll Taxes.
Help employees thrive while creating meaningful savings—without added out-of-pocket expense.
What is a SIMRP?
A Self-Insured Medical Reimbursement Plan (SIMRP) is an employer-sponsored health and wellness plan that works alongside qualifying health coverage to provide employees and eligible dependents with valuable health and wellness benefits. When properly structured, the Plan may reduce employer payroll taxes and increase employee take-home pay—without added out-of-pocket expense.
Explore SIMRP Plan BenefitsLearn how a SIMRP can provide benefits while increasing net take-home pay with no out-of-pocket expense in this short video .
SIMRP Solutions for Business and Schools
SIMRP Health & Wellness helps qualifying employers and school districts strengthen employee benefits while exploring potential payroll tax savings. Choose the path that best matches your organization.
SIMRP PLANS FOR BUSINESSES
Learn how qualifying employers can strengthen employee benefits, support employee take-home pay, and potentially reduce payroll tax expenses.
SIMRP PLANS FOR SCHOOLS
Learn how school districts can strengthen employee benefits, identify potential payroll tax savings, and create scholarship funding for students.
Explore Business PlansExplore School Plans
Could Your Organization Qualify?
A SIMRP may be appropriate for organizations with eligible W-2 employees who work full-time or meet the Plan’s full-time-equivalent requirements. Participating employees must also maintain qualifying existing health coverage.
Eligibility, participation, wages, payroll structure, and Plan administration can affect projected results. A free payroll analysis can help determine whether the Plan may fit your organization.
Eligible W-2 Employees
Full-Time or Full-Time-Equivalent Employees
Qualifying Existing Health Coverage
Helpful Articles
SIMRP EDUCATION, BENEFITS & COMPLIANCE RESOURCES
Explore articles about SIMRP Plan benefits, payroll tax savings, employee eligibility, compliance considerations, and scholarship opportunities for educational organizations.
Introduction to SIMRP
Read an excerpt from The CPA Journal article by Peter Kari and Dominick G. Mondi explaining how a Self-Insured Medical Reimbursement Plan (SIMRP) is defined.
IRS Guidelines for Reimbursements
Medical expenses incurred before a self-insured reimbursement plan is established cannot be reimbursed tax-free. See what IRS rules say about taxable income.
Is a SIMRP a Grant?
A SIMRP is a medical plan run by your organization with grant-like qualities. See how it can turn payroll tax savings into funding for schools and businesses.
Understanding the Affordable Care Act
Explore the history, key benefits, and lasting impact of the Affordable Care Act, from expanded coverage to pre-existing condition protections for Americans.
School Business Officials & SIMRPs
School business officials: learn how SIMRPs work with existing health coverage, may reduce payroll taxes, and can boost take-home pay. Key points to know.
Schools Can Overcome Budget Cuts
Schools face shrinking budgets, rising costs and unfunded mandates. See how a SIMRP can give administrators much-needed relief and boost staff morale today.
School Districts Payroll Tax Savings
Innovative SIMRP structure may help organizations reduce payroll tax burdens while expanding employee wellness resources at no additional out-of-pocket cost.
The Biometric Scanner
The Biometric Scanner app uses advanced AI and computer vision to analyze subtle changes in your skin and blood flow through a simple 30-second video selfie.
Are SIMRP Plans Illegal? The Truth
SIMRP plans are not illegal when properly structured. Learn what makes a plan compliant, why some headlines claim otherwise, and what employers should know.
SIMRP Funds for Retirement Savings
A SIMRP can free up take-home pay that employees may redirect into a 401(k), Roth IRA, or annuity. See how modest contributions can compound over time.
MSN Interview with Dr. Scherz
Dr. Jared Scherz explains how SIMRPs help public-sector employers support employee wellness and reduce payroll tax burdens. Read the key takeaways.
SIMRP Media & Industry References
Explore published articles and industry resources discussing SIMRP Plans, applicable tax-code provisions, employee benefits, payroll tax savings, and educational funding opportunities.
Request a Free Payroll Analysis
REVIEW YOUR ORGANIZATION’S PROJECTED SAVINGS
Discover which employees may qualify and review the projected savings for your organization and workforce. The analysis is free and carries no obligation.
WHAT TO EXPECT: Complete the form below. A SIMRP Health & Wellness Advisor will contact you to arrange a brief introductory call and explain the information needed to prepare your analysis.
- Free, no-obligation analysis
- Reply within one business day
- No cost to qualifying organizations
Prefer to talk? Schedule a call or email info@simrphealth.com.