SIMERPU RESEARCH · SOURCE RECAP
FICA Savings — Preventative Care Management Program
SIMERPU recap and commentary: Mardy Gould
Opened — main text retrieved
Quick recap
Markets claimed $650 net payroll savings and supplemental benefits. FAQ describes a §125-funded participatory SIMERP and premium reimbursement for claimed §213(d) wellness expenses.
SIMERPU’s viewpoint
The FAQ connects a participatory SIMERP description with premium reimbursement and claimed wellness expenses. SIMERPU would ask for a precise account of the expense being reimbursed and how it relates to the pre-tax election. The stated $650 net saving should then be reconciled to the employer’s actual costs and participation.
What this source contributes
The FAQ identifies premium reimbursement and claimed wellness expenses as elements requiring a precise explanation.
What remains unanswered
The relationship among the pre-tax election, original premium and reimbursed expense must be established before evaluating the savings.
Mardy Gould’s take
I would ask the provider to name the exact expense being reimbursed and trace how it was funded. Then reconcile the stated $650 net saving with every fee and the employer’s actual participation. Clear language at that point would help the employer understand both the structure and the financial result.
Questions I would bring to the conversation
1. What exact expense does the payment reimburse?
2. How was that expense or premium originally funded?
3. Which fees and assumptions produce the stated net saving?
Mardy Gould · Co-Founder, SIMERPU →
What would change our assessment?
A documented distinction between the original premium and any separately reimbursed expense could materially affect the assessment.
Read the original source
The original author and publisher are credited below. Continue to their article, document or source page for the complete context.
Original Author: FICA Savings
Publisher: FICA Savings
Original Publication Date: 2025-01-15
Read this alongside…
Each connection has a specific purpose. Compare the sources’ facts, positions and publication dates as you read.
Revenue Ruling 2002-3 — Reimbursement of pre-tax health insurance premiums
IRS
Source position: Neutral / explanatory
Compare the premium-reimbursement description with the historical revenue ruling.
Read the SIMERPU recap →
26 CFR §1.105-2 — Amounts expended for medical care
eCFR / Office of the Federal Register
Source position: Neutral / explanatory
Read the regulation governing expense-based reimbursement.
Read the SIMERPU recap →
Savings Estimate, Preventive Care Management Solution Proposal
City of Chicago
Source position: Neutral / explanatory
Test the savings assumptions against an employer-side PCMP analysis.
Read the SIMERPU recap →
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About this source
Original Updated Date: 2025-02-19 (metadata)
Source Type: Vendor / adviser marketing or advocacy
Model Discussed: PCMP / participatory SIMERP / §125
Position: Promotional
Period: Recent — 2023–2026
Retrieved: October 31, 2026
Research and date notes
Publication date from page metadata.
Each record identifies the material retrieved. SIMERPU’s viewpoint and Mardy Gould’s take are editorial commentary; the source-position label describes the original source’s stance. Read the original and its qualifications when evaluating a particular arrangement.
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