Complements your major medical plan
CHAMP adds a first line of everyday care without replacing or competing with your existing coverage.
The CHAMP PlanEveryday care for employees and families.
Everyday healthcare for employees and families. A payroll-based approach designed to lower employer payroll taxes and increase eligible employees’ take-home pay.
Everyday care for your team
Primary, urgent, and virtual care for employees and families.
More value in every paycheck
A payroll-based approach designed to increase eligible employees’ take-home pay.
Support from start to finish
Guided enrollment, payroll coordination, and ongoing assistance.
Why Employers Trust CHAMP
$100M+
In Employer Savings
Total dollars saved… and counting.
10+
Years of Experience
Helping employers lower healthcare costs while improving employee benefits.
1000s
Of Companies Enrolled
Helping employers lower healthcare costs while improving employee benefits.
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CHAMP, in simple terms
Add value to what’s already working.
Keep your major medical plan and add everyday care, with a payroll-based approach designed to benefit both your business and your employees.
More value in the paycheck
Eligible employees can see an increase in take-home pay through their participation.
Pre-tax savings for your business
The pre-tax plan component reduces taxable wages, creating potential employer payroll-tax savings.
A separate employee benefit
The post-tax plan component provides a benefit tied to qualifying health-management participation.
Company impact calculator
See what the numbers could look like.
Enter your employee count and average annual pay to see monthly and annual savings estimates for your company and employees. Self-funded health savings are included when applicable.
Your company’s savings estimates
| Estimated impact | Monthly estimate | Annual estimate |
|---|---|---|
| Employer payroll-tax savings | — | — |
| Self-funded health savings Estimated claims mitigation | Not included | Not included |
| Total employer savingsPayroll-tax + applicable health savings | — | — |
| Net-pay increase per employeeIncluded in the employee total below | — | — |
| Employee net-pay increasesAll participating employees | — | — |
| Combined impactTotal employer savings + employee net-pay increases | — | — |
10× EBITDA valuation scenario
Annual employer savings × 10, assuming matching recurring EBITDA growth. Excludes employee net-pay increases.
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Estimated business-value impact
View calculation assumptions
Annual employer payroll-tax savings = $573.60 × participating employee count. For a confirmed self-funded plan, annual estimated claims savings = $1,840 × the same count. Total employer savings adds those components once.
Annual employee net-pay increase per employee = $852 + 2.23% of average annual pay up to $40,000; $2,004 + 1.6% above $40,000. Multiply by participating employee count for the company-wide employee estimate. This salary-based estimate is used for every employer. The source worksheet’s separate fixed $2,600 employee assumption is not added.
Monthly estimates divide annual amounts by 12. Annual and monthly figures describe the same estimated benefit over different periods. Figures are rounded for display; totals are calculated before rounding.
Illustrative estimates only; results are not guaranteed. Self-funded health savings represent estimated medical spending directed away from a self-funded major medical plan and are included only when you select Yes. Combined impact adds total employer savings and employee net-pay increases; it is not an additional savings amount.
The 10× EBITDA scenario illustrates potential valuation impact, not additional annual savings or an appraisal. Actual valuation and multiples vary.
Actual participation, claims experience, payroll, tax rules and individual circumstances affect results. Paycheck estimates exclude individual withholding elections, other deductions and benefits, paycheck frequency, and local taxes. Results may vary by state. Request a Benefits Review for an analysis using your payroll data.
Your CHAMP benefits
Everyday care for your employees and their families.
Explore the care and support included at $0 copay, with employee-only and family access identified below.
$0 In-person primary & urgent care
Participating providers through the nationwide First Health Network, plus preventive care (MEC). Confirm participating providers before scheduling a visit so you know where to access your benefits.
$0 At-home lab testing
Comprehensive testing panels delivered to the employee’s home, with no trip to a lab. Follow the kit’s collection and return instructions to complete testing from home.
$0 Personalized health support
Health guidance tailored to individual needs, with monthly app activities and reminders. Use these check-ins to keep your health goals and next steps organized.
$0 Virtual primary & urgent care
Connect on demand or schedule a visit, with ongoing primary care support. Choose virtual visits when you need care without traveling to an office.
$0 Prescription benefits
More than 600 commonly prescribed medications at over 70,000 pharmacies. Discounts may be available on additional medications. Check the covered medication list and participating pharmacy before filling a prescription.
$0 Virtual mental health
Licensed therapists, 24/7 peer support, and Bella, an AI wellness companion. Explore the available support options to find the type of help that fits your needs.
$0 Digital vitality check
A smartphone scan offers insights into key health indicators. Use the results as a starting point for a conversation with your healthcare provider.
$0 Virtual veterinary care
24/7 veterinary chat and up to four virtual appointments. Get guidance on your pet’s concerns and whether an in-person veterinary visit may be needed.
Bring CHAMP to your team.
Explore how CHAMP could fit your workforce and benefits strategy.
Request a Benefits ReviewTry it yourself
Your benefits. One app.
Choose a screen and tap the numbered markers to see how each feature works.
Today & CHAMP Score · 1/5
Your CHAMP™ Score
One number for how you're doing, built from five parts: Activity, Sleep, Mental, Wellness, and Readiness. The small arrow shows how it changed since yesterday.
Connect Apple Health so your steps and sleep count toward your score automatically.
A simpler enrollment process
Review, compare, and prepare your rollout.
Start with a program review. If CHAMP is suitable, share your payroll information, review your proposal, and connect us with your HR and payroll contacts. Our team guides your employees through enrollment and supports your rollout from start to finish.
See your options clearly
You provide your payroll information. We identify eligible employees and prepare a customized proposal with projected savings, so you can make an informed decision.
Give employees a guided enrollment
Your employees get help understanding their benefits, answers to their questions, and guidance through enrollment—reducing the work on your HR team.
We prepare employee communications
We prepare the rollout materials, messaging, and reminders, so your team does not have to build an enrollment campaign from scratch.
Get help with payroll setup
Connect us with your payroll contact. We work together to configure and validate the adjustments before launch.
Get ongoing support after enrollment
Your HR team and employees have ongoing assistance for questions and next steps, so you are supported beyond enrollment.
Your next step
Make an informed decision about CHAMP.
A customized proposal compares employee eligibility, before-and-after paychecks, and projected employer savings using your actual payroll data.
For your analysis, prepare one recent payroll register with gross pay, employee taxes, deductions and net pay. Your AffordaCare contact will coordinate the next step.