Business Owners
You Can Secure Employee Health Benefits
with Zero Out-of-Pocket Expenses
Discover How in Just Minutes!
Unlock Health Coverage with No Out of Pocket Expense, Maximize Your Benefits, and Keep More Money in Your Pocket
Give Your Employees the Health Coverage
They Deserve—Without Paying a Dime
Give Your Employees the Health Coverage They Deserve—Without Paying a Dime
Why Overpay for Health Insurance?
As a business owner, you understand the importance of taking care of your employees. Offering competitive benefits is crucial for retaining top talent and keeping your team motivated. However, with the rising cost of health insurance, providing quality coverage can feel like an overwhelming financial burden on your business.
The strain of increasing premiums can eat into your bottom line, and the difficult choice between cutting costs or reducing benefits is a decision no employer should have to face. What if there was a way to offer your employees exceptional health benefits without any out-of-pocket expenses?
Now, there is.
With our zero-cost health coverage Wellness Program, you can provide your employees with the benefits they need and deserve, without paying a dime out of pocket. Imagine being able to offer comprehensive health benefits that provide access to doctors 24/7, prescriptions, and more—all while keeping your business’s budget intact.
This isn’t just about cutting costs; it’s about empowering your employees with quality healthcare and positioning your company as an attractive place to work. By leveraging this program, you can maintain a competitive edge in the marketplace, showing your team that their health and well-being matter—at zero additional expense to your business.
Every Fulltime W-2 Employee Deserves Benefits
As a business owner, you understand the importance of taking care of your employees. Offering competitive benefits is crucial for retaining top talent and keeping your team motivated. However, with the rising cost of health insurance, providing quality coverage can feel like an overwhelming financial burden on your business. With our zero cost health coverage Wellness program, you can provide your employees with the benefits they need and deserve. Without paying a dime out of pocket.
A survey of employees, HR and finance leaders, and benefits consultants found that:
-8 in 10 employers saw health insurance renewal rates increase last year.
-6 in 10 employees would leave their current company for one with better health benefits.
-38% percent of people are looking for a job with better benefits.
47% of employees have considered seeking alternative health insurance benefits outside of their employer's offerings.
-Almost 50% of workers said they have avoided or delayed preventative care or medical treatment because of concern it wouldn't be covered
- 42% of employers said they would rather receive better health insurance than a raise this year
-85% of companies have changed health care carriers or plan designs at least once over the past five years
This isn’t just about cutting costs; it’s about empowering your employees with quality healthcare and positioning your company as an attractive place to work. Imagine being able to offer comprehensive health benefits that provide access to doctors 24/7, prescriptions drugs, insurance policies and much more with no copays. By leveraging this program, you can maintain a competitive edge in the marketplace, showing your team that their health and well-being matter—at zero additional expense to your business.
5 Easy Steps to Benefits
Step 1
Schedule a 15-minute call with a Wellness Consultant
Step 2
Have a proposal prepared in
48 hours
Step 3
Review your customized proposal with our Wellness Team
Step 4
Select Your Employees Benefit
Package
Step 5
Select an Enrollment Date within
45 days
Who is AYG
AYG Financial is a MWBE USFCR government contractor. We are an insurance agency in Las Vegas, NV, specializing in tax savings and insurance solutions for businesses. AYG is licensed to offer life, health, property & casualty insurance in all 50 states with over 85 carriers.. We have been enrolling businesses in this program since 2017.
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Why Choose Zero-Cost Health Coverage?
No Application Fees, Broker Fees, Credit Checks, or Tax Returns
$0 Monthly Premiums / No Co-Pays
Comprehensive Coverage (24/7 Doctor Visits, Prescriptions, and More)
Whole Life, Term, and Universal Life Insurance Policies
85 Insurance Carriers / Income Insurance
Tax Benefits for the Business Owner for each enrolled employee
Frequently Asked Questions
Is this program legal?
100% legal. This is a tax qualified Self-Insured Medical Reimbursement Plan with a wellness focus that uses tax advantage provisions under the Internal Revenue Service codes "Section 125 Cafeteria Plan and codes 105, 106, and 213(d)" and ACA wellness rules.
Is this a new program?
This program has been available since 2013 and is ACA, IRS, ERISA and HIPPA certified.
Is there a cost to the program?
There is no net cost to you or your employees.
Does my type of business qualify?
The only requirement is that you business employees at least 2 full-time W2 employees.
Is there a credit check?
There are no credit checks, no tax returns, bank statements, or P&L’s required to qualify.
Can I cancel the program at any time?
No, because the participant is pre-taxing the wellness program under a Section "125" Cafeteria program, the IRS has certain rules that must be followed such as: participant cannot make any changes to the program until"Open Enrollment" each year unless there is a qualifying event. An IRS approved qualifying event allows the participant to make changes during the plan year that are consistent with the event. AYG Insurance and Financial Services advisor will explain this upon enrollment.
Do I have to make any changes to my business?
The best part is there are no changes to any of your policies, plans, brokers, accountants or payroll procedures.
Can benefits be obtained by my employees spouse's and dependents.
Yes, all benefits can be modified to cover spouse and/or dependents.
Do I need to be in business for a certain number of years?
There are no minimum number of years in business required.
Who are we?
AYG Financial is a MWBE USFCR government contractor. We are an insurance agency in Las Vegas, NV, specializing in tax savings and insurance solutions for businesses. AYG is licensed to offer life, health, property & casualty insurance in all 50 states. partners. We have been enrolling businesses in this program since 2017.
Can employees use the program for any medical expenses?
Yes, employees can use the program for a wide range of qualified medical expenses, including but not limited to doctor visits, prescription medications, dental and vision care, and wellness programs. The program is designed to promote health and wellness while providing financial assistance for these expenses. AYG Insurance and Financial Services will provide a comprehensive list of eligible expenses upon enrollment.
LIMITED TIME OFFER
Don’t let costly mistakes put your business at risk. Download our free Book, 'The Five Hidden Dangers of NOT offering Health Benefits to Employees. Discover why providing employee health coverage is crucial for your company’s success. Fill out the form below to access this valuable guide—absolutely FREE!
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