Enhanced employee access
Convenient access to eligible services including preventive care and prescription resources, subject to plan terms.
Black Flag Benefits · Everyday Health Access
Better Employee Benefits. Smarter Employer Economics.
Explore an employer-sponsored approach that adds access to everyday healthcare services while evaluating payroll tax efficiencies that may help offset the cost.
Request a Benefits Assessment →The benefits opportunity
Workforce value and financial stewardship can go together.
Everyday Health Access is designed to complement qualifying health coverage. We help employers review the potential for additional services and an employer-specific financial model, including eligibility, employee impact and operational requirements.
Potential payroll tax efficiency
Explore whether eligible tax-advantaged structures could reduce certain employer payroll tax expenses.
Practical administration
Coordinate questions across finance, payroll, HR and the plan administrator before making a decision.
Designed for zero net employer cost
An informed analysis, not an unsupported guarantee.
Program economics are designed so eligible employer tax savings can offset the applicable costs. Actual results depend on payroll facts, workforce eligibility, fees, plan compliance, participation and administration.
Visit Black Flag Benefits →We look at what matters to your team.
- W-2 employee count and working hours
- Current qualifying health plan coverage
- Employer FICA tax profile
- Potential employee impact and enrollment
- Administrator, payroll and compliance questions
Start the conversation
Let's evaluate the opportunity for your organization.
Tell us about your company and we'll discuss whether a deeper benefits assessment makes sense.
Please do not share census files, payroll records, Social Security numbers or health information in this form.
Frequently asked questions
Good questions deserve clear answers.
Does Everyday Health Access replace our current health insurance?
No. The program is designed to complement qualifying existing health coverage.
Is the cost guaranteed to be zero for every employer?
No. Zero net cost describes the program's intended design. Results depend on applicable employee and employer circumstances, participation, and proper administration.
Will all employees see an increase in take-home pay?
No. Individual outcomes vary by tax circumstances. Some employees may have no increase or a decrease.