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A health benefit your crew will actually use

Champion Health describes its plan as a standalone benefit that sits alongside the health plan you already have, with $0-copay primary and urgent care visits.

Confirm anything about taxes with your own CPA or licensed tax advisor before you act.

Last updated: 2026-10-26

Who it is for

Employers with 20 or more W-2 employees who already offer health coverage and want to add a benefit their hourly crews will use from week to week.

How it works

  • Champion Health describes its plan as a standalone benefit added alongside your existing health plan, which stays in place.
  • Champion Health lists primary care visits with a $0 deductible and a $0 copay.
  • Champion Health lists urgent care visits with a $0 deductible and a $0 copay.
  • Champion Health lists unlimited prescriptions on its drug formulary at a $0 or $1 copay.
  • Champion Health lists 24/7 virtual care with a provider at no charge to the employee.
  • Champion Health lists mental health care, including virtual therapists, at a $0 copay.
  • Ask Champion Health for the full plan documents, and have your CPA read them before you sign.

What to bring to the call

  • Your employee count and a recent payroll register.
  • A summary of your current health plan.
  • Any proposal you have already received from Champion Health or another provider.
  • Your CPA’s name, if they will review the plan.

Where these facts come from

Questions owners ask

Does this replace our health insurance?

No. Champion Health describes its plan as a standalone benefit that sits alongside your existing health plan, which stays in place.

What do employees get?

Champion Health lists $0-copay primary care and urgent care visits, unlimited prescriptions on its formulary at a $0 or $1 copay, 24/7 virtual care, and mental health care with virtual therapists.

What has the IRS said about these plans?

In memorandum 202323006, released in June 2023, the IRS Office of Chief Counsel looked at one common supplemental design, a fixed-indemnity wellness policy paid through a cafeteria plan, and said its wellness payments are wages for payroll tax purposes when the employee has no unreimbursed medical costs. The memo cannot be cited as precedent, so have your own CPA read the exact plan.

Who should review the plan before we sign?

Your CPA or licensed tax advisor, and your benefits advisor. Ask Champion Health for the full plan documents, not only a summary.

What should employees know before they join?

What the plan covers, how much comes out of each paycheck, and what happens to their coverage if they leave. Ask Champion Health to put it in writing.

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