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Give Your Clients the Service They Expect

The Power of POP

Your clients look to you for guidance. Make sure you're giving them the insight they need.

Per IRC Section 125, organizations are required to add a Premium Only Plan (POP) in order to take pre-tax payroll deductions for insurance premiums and HSA contributions. A POP applies to all group-sponsored plans, including PPOs, HDHPs, vision, dental and even group-term life insurance. Use this calculator to determine employee and employer savings.

Make Yourself POP

Talk to your clients about a POP. You’ll see how adding this to your lineup can help you stand out in a crowded market.

5 Reasons Leading Advisors and Brokers Offer a Premium Only Plan

  1. Show off your expertise. Section 125 IRC regulations are complex. Our online platform gives you direct access to group plan documents, making it easy to stay on top of client accounts.
  2. Build loyalty and trust. Your competitors probably don't talk much about a POP. Help your clients now—and they'll remember it in the future.
  3. Have a reason to stay connected. POPs involve annual commitment periods, ensuring there's always an occasion to reach out. Plus, you can target prospects with POP-specific messaging.
  4. Create real value for your clients. Your clients can use a POP to offset healthcare costs or increase employee take-home pay. Either way, you should take credit for the savings.
  5. Add an HSA to drive accelerated savings. HSAs bring a powerful triple-tax advantage that'll help your clients save even more on FICA obligations.
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Give clients a way for employees to save
Employees can save 30% on insurance premiums
Employers can save $80 for every $1000 their employees deduct
HSA Tripple-tax advantage

One Partner. Total Solution.

Only HealthEquity delivers the integrated solutions you need to simplify benefits and truly impact people's lives.


1 Based on average federal, state and payroll taxes.
2 HSAs are never taxed at a federal income tax level when used appropriately for qualified medical expenses. Also, most states recognize HSA funds as tax deductible with very few exceptions. Please consult a tax advisor regarding your state's specific rules.