IRS §125 Compliant · Fully Insured · Live in 40 Days

WE DON'T RECOMMEND PLANS. WE CALCULATE OUTCOMES.

The Optiv Group is the AI-powered, multi-carrier benefits optimization firm bringing employee benefits into the modern era of employer healthcare.

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A+ / A

Carrier ratings backing Optiv architecture

§125

The pre-tax election pathway for qualified benefits

§213(d)

The IRS definition of qualifying medical care

§105(b)

Tax-excluded reimbursement of §213(d) expenses

YOUR PAYROLL IS AN UNTAPPED ASSET.

Payroll is the most foundational line on the American employer's P&L. It is also the least modernized. Every cycle, premiums climb. Every renewal, the same shelf of plans gets re-presented. Every pay period, payroll taxes leave the business that the IRS code never required to be paid. Employees feel it too. They carry major-medical premiums every paycheck, yet high deductibles put real care out of reach. The result is a workforce that is technically insured but functionally exposed.

What it costs you

Payroll tax the code never required, premiums that climb every renewal, and HR hours absorbed by a plan that was never modeled to your workforce.

What it feels like

Employees insured on paper but exposed in practice. Care delayed over cost, deductibles outpacing wages, financial stress carried into every shift.

What it signals

A benefits program chosen from a shelf, not calculated for your business. The employers who have modeled theirs are already recruiting from your roster.

We Model the Architecture Before We Build It.

A broker is tied to a carrier and a shelf of plans. So, the math only ever works for one side: the company holds its budget, or the employees get more, never both. Optiv is built differently. Our technology answers to no single carrier, so we model your payroll, the tax code, your census, and the whole field of A-rated underwriters together, and we calculate the one architecture where the savings pay for both. Employees take home more and get care they will actually use. Employers recover payroll tax that funds the structure and, as they grow, helps fund the coverage on top of it.

MULTI-CARRIER, BY DESIGN

A-rated carriers compete to fit the architecture we calculate for your workforce, not the other way around.

AI-DRIVEN MODELING

Our optimization engine models your payroll, your census, the tax code, and the carrier landscape as a single calculation.

ENGINEERED FOR MEASURABLE OUTCOMES

Integrated care, fixed indemnity, and the Healthy Incentive Plan. Calibrated for better care, higher take-home pay, and lower employer cost.

ONE ARCHITECTURE. FOUR PLANS.

Optiv Access

Empower your workforce with immediate employer-funded access to essential care. Optiv Access ensures part-time, contingent, and gig employees receive vital telehealth and prescription benefits right from day one, with eligibility criteria designed by you.

Optiv Advantage

The keystone of every Optiv engagement. Advantage is the supplemental engine that delivers care most §125 plans cannot match. A dedicated virtual PCP, full behavioral health, dermatology, chronic care, 400+ prescriptions, and 13 named specialists one tap away.

Optiv CompleteCare

Elevate your benefits offering with Optiv CompleteCare. This strategic solution helps control rising health costs and optimizes your financial performance, ensuring you can focus on what matters most.

Optiv PremierCare

Experience the pinnacle of employee benefits with Optiv PremierCare. Perfect for employers aiming to attract and retain top talent in competitive markets.

YOU SIGN THE DOCUMENTS. WE DO THE WORK.

Implementation and open enrollment complete in approximately 40 days. The plan goes live on the next payroll cycle.

SCHEDULE A CALL.

We walk through your workforce composition and your benefits goals.

SEE YOUR NUMBERS.

Implementation and open enrollment complete in approximately 40 days. The plan goes live on the next payroll cycle.

INTEGRATE & ENROLL

We integrate, educate, and enroll. HR spends about four hours, mostly on weekly check-ins. You sign the documents, we do the rest.

GO LIVE

Benefits are live, employees are happy, and your savings are on the way.

KNOW YOUR NUMBERS, BEFORE YOU MAKE THE CALL.

Most benefits conversations begin with a quote. Optiv reverses the order. Enter your workforce data. The calculator returns your financial outcome, your tier-by-tier employee placement, and the architecture your workforce actually qualifies for. Your plan is yours before the conversation begins.

Yes, it is fully IRS compliant.

The savings come from legitimate tax strategies under IRS §125.

No, it can stack or integrate with your current plan.

Implementation typically takes around 40 days.

The Optiv Group helps employers evaluate tax-advantaged benefits strategies, payroll-linked savings opportunities, and modern coverage paths with compliance-aware plan design.

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