Lumara Health offers a smarter, fully compliant way for businesses to reduce payroll taxes, improve employee well-being, and enhance retention—without increasing costs or changing existing health plans. By combining a Section 125 Cafeteria Plan with a Self-Insured Medical Expense Reimbursement Plan (SIMERP), Lumara enables employers to save $600–$700 per qualified W2 employee annually while helping employees pay for healthcare expenses tax-free. The program is ideal for high-turnover and labor-intensive industries such as manufacturing, healthcare, logistics, construction, retail, and professional services. With seamless implementation, IRS/DOL compliance, and no added workload, Lumara is already trusted by 30,000+ employees nationwide to deliver cost-effective, impactful benefits.