"Type of Plan" is a required field.
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"Your Address - City/State/Zip" is a required field.
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"Your E-mail Address" is a required field.
"Employer/Church Name" is a required field.
"Employer/Church Address - City/State/Zip" is a required field.
"Employer/Church Phone Number" is a required field.
"Employer Federal ID#" is a required field.
"State of Incorporation" is a required field.
"Number of Employees" is a required field.
"Plan Administrator (First/Last Name)" is a required field.
"Annual Plan Limits (The IRS limits Health FSA plans to $3,300 in employee contributions (effective 01/01/2025) - Enter the standard $3,300, or enter a lower employee contribution limit below." is a required field.
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Premium Only Plan

Name: Premium Only Plan
SKU: FA-001
Availability: InStock

$425.00

Plan documents prepared for your church

SECTION 125PRE-TAX PREMIUMSFOR CHURCHES

Let employees pay their share of health insurance premiums with pre-tax dollars, so both employees and the church save on taxes.

Premiums deducted before income taxes are calculated
Higher take-home pay with no raise in gross pay
Lower employer payroll taxes for the church
Plan document, SPD, forms and administrative handbook

SAVE%

Typical employee savingsEmployees usually save 20% to 40% on the premiums they pay through the plan, depending on tax bracket and state.

Need help choosing the right solution?For more than 45 years, we’ve helped clergy and religious organizations with tax, payroll, bookkeeping and HR. Connect with an advisor for guidance tailored to your needs.

Schedule a Consultation →

Options

Purchaser Name(First/Last) : *

Purchaser Address/City/State/Zip : *

Purchaser Phone : *

Purchaser E-mail : *

Employer : *

Employer Address/City/State/Zip : *

Document Signer(First/Last Name) : *

Employer Phone : *

State of Incorporation : *

Number of Employees : *

Name of Benefit Programs to be Offered: (Check those you wish to include): *

Accident Insurance :

Cancer Insurance :

Dental Insurance :

Group Term Life :

Health Insurance :

HSA :

Vision Insurance :

Eligibile Employee Work More than _____ hours per week. : *

Effective Date *

Effective Date :

Description

Description

How it works

Simple setup, fully supported.

Complete the enrollment formFill out the form above.

Advisor reviewA benefit plan advisor reviews your questionnaire for completeness.

Receive your plan packageWe email your plan document, SPD, forms, helpful guides and easy signing instructions.

How everyone saves

Pre-tax premium deductions reduce taxable wages.

Employees

Lower federal income tax, lower state and local income tax where applicable, and in most cases lower Social Security and Medicare tax. Take-home pay goes up without a raise.

The church

Lower taxable payroll means lower employer Social Security and Medicare taxes, and in some cases lower federal and state unemployment taxes.

Often pays for itself

Depending on state law, workers’ compensation premiums may also go down. Savings often offset or exceed the cost of the plan.

What the plan includes

Prepared for your church and kept on file for compliance.

Resolution to adopt

Meeting minutes recording the church’s decision to establish the plan as an employee benefit.

Customized plan document

The rules, benefits and terms of your plan, prepared for your church and kept on file for IRS review.

Summary Plan Description

An easy-to-read guide for employees with all federally required disclosures (plan year, Federal ID, agent for legal service, COBRA, FMLA and DOL information).

Election and claim forms

Personalized forms for employees to join the plan and submit expenses for reimbursement.

Administrative handbook

Administration, non-discrimination testing, and reporting and disclosure.

Common questions

About the plan and your order.

What is a Section 125 Premium Only Plan?

A simple plan that lets employees pay their share of employer-sponsored health insurance premiums before taxes are calculated. It’s one of the simplest and most effective employee benefit strategies available.

Who is it for?

Churches that offer a health insurance plan and ask employees to pay part of the premium.

Can I return it?

See the Refund & Return Policy tab above.

I’d rather have someone help me.

Our team works with churches and clergy every day. Email clientservices@clergyfinancial.com or call (888) 421-0101.

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