IRS Section 105 · SIMRP

Wellness that works for Texas.
For your people & your purpose.

Expertly designed SIMRP plans that lower employer taxes, increase employee take-home pay, and fund student scholarships — all while delivering premium telemedicine & mental health support.

$500+

annual tax savings per employee

24/7

doctor access via telemedicine

$4

monthly scholarship donation

📊 Free Payroll Analysis ✨ Explore Benefits
(214) 297-6215 victor@lonestartrustbenefits.org
triple impact

We care for employers, employees & students

Transforming workplaces and schools across Texas — making health accessible, tax savings real, and education affordable.

For Employers

Reduce FICA taxes, increase retention, and offer a premium benefit at no net cost.

For Employees

No-copay telemedicine, mental health support, and a net take-home pay increase.

For Students

Every enrolled member funds a scholarship — helping Texas students pursue higher education.

Designed for Texas Businesses

Proven SIMRP strategy — lower taxes, happier teams, healthier culture.

Substantial Tax Savings

Using IRS code Section 105, your company can redirect payroll taxes into employee wellness. Save $500–$590 per eligible employee annually on FICA — that's hundreds of thousands of dollars for mid-sized organizations.

📊 Example: 250 employees → $135,000+ yearly tax savings.

Employee Take-Home Pay Increase

Because premiums are pre-tax, most employees see a modest increase in net pay while gaining access to premium wellness tools, 24/7 telemedicine, and no-cost prescriptions.

  • No deductibles, no copays
  • Mental health counseling included
  • Anura® facial scan (AI wellness)
📅 Schedule a consultation →
Teacher and students Texas
Supporting Texas Educators

Invest in the people who shape futures

School districts face tight budgets, but your teachers deserve the best. Our SIMRP gives staff no-cost telemedicine, mental health resources, and a pay raise — all while saving the district thousands in payroll taxes.

  • 24/7 doctor access for educators & families
  • Licensed mental health sessions
  • 800+ free maintenance medications
  • Net pay increase for staff
📋 Get District Quote →

How the SIMRP works: Financing & tax mechanics

Legacy of opportunity

Invest in Texas’s Future: Scholarship Program

For every participating employee, we donate $4/month to a scholarship fund. Your wellness plan becomes a legacy of opportunity.

Meaningful Scholarship Funding

With 2,000+ employees enrolled, your district can generate $96,000 annually to support graduating seniors, trade students, and college-bound youth. Name the scholarship after a beloved educator — we’ll help you launch it.

100% of donations go directly to students.

Honoring those who shape lives

Texas schools can name the scholarship after a distinguished teacher, administrator, or support staff member. It's a powerful way to recognize dedication and inspire the next generation.

Learn about naming →

Trusted & Recognized

The CPA JournalIRS Code Section 105INC. MagazineTax Notes

Our SIMRP is designed by tax and benefits experts. We are a registered broker partner — dedicated to compliance, transparency, and genuine care.

Get started

Let’s talk about your goals

Whether you're a business owner, HR leader, or school administrator, we’ll provide a free, no-obligation payroll analysis that shows your exact tax savings and employee impact.

Call Now

Speak directly with a specialist

(214) 297-6215

Email Us

Send us your questions

victor@lonestartrustbenefits.org

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