Lumara Health

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About Lumara Health

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.

How a Section 125 Cafeteria Plan Saves Employers And Employees Money

Lumara Health15 Oct, 2025Other

What if you could save thousands annually, without cutting benefits or raising costs? That’s exactly what the Lumara Plan was designed to do. By leveraging a Section 125 cafeteria plan alongside a fully managed Preventative Care Management Plan (PCMP) and a Self Insured Medical Reimbursement Plan (SIMRP), Lumara offers one of the most compliant, automated, and benefit-rich healthcare solutions available today. In this article, we’ll break down what a Section 125 cafeteria plan really is, how it works within the Lumara Plan, and why it’s creating such a big impact for both employers and employees.

The Hidden Benefits of Section 125 Plans for Small Businesses

Lumara Health23 Apr, 2025Business

Small companies sometimes have particular difficulties providing staff with competitive incentives. Unlike big businesses with lots of resources, smaller businesses must be creative in how they create their staff benefit plans to draw and keep top personnel. One powerful option that addresses this challenge is using 125 plans employee benefits. Often disregarded and among the sharpest instruments is the Section 125 plan, sometimes referred to as a cafeteria plan.