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    Employer Sponsored Preventive Access

    Better benefits.
    Lower taxes.
    Same paycheck.

    ESPA enhances your benefits and is designed to save you on payroll taxes, with no change to employee take-home pay and no change to the plan you already offer.

    Takes a simple census. We show your real numbers, not a generic estimate.

    Professional business owner representing ESPA benefits
    ~$505.20 /employee/yr

    Estimated net payroll-tax savings, after fees

    $0 net cost

    Fees & premiums funded by the savings

    ~$150 /employee/mo

    Employee allotment for voluntary benefits

    What the ESPA offers

    24/7 Virtual &
    Primary Care

    Urgent and primary care access at no out-of-pocket cost.

    Psychiatric Care & Medication Management

    Confidential psychiatric support and medication management.

    Counseling &
    Crisis Intervention

    Professional counseling and crisis support for the household.

    Personal AI Coach & Fitness Tracking

    Personalized coaching and fitness tools to keep you on track.

    Annual Lab Panel
    (75+ Biomarkers)

    Comprehensive annual wellness testing for preventive health.

    Unlimited Prescribed Labs

    No-cost access to unlimited prescribed laboratory testing.

    Legal Resources
    (Wills & Estate Planning)

    Assistance with wills, estate planning, and everyday legal needs.

    Travel & Lifestyle Perks

    Exclusive discounts and perks for travel and entertainment.

    Prescription Formulary (1,000+ Medications)

    Access to over a thousand common medications at no cost.

    Virtual Rx Renewal

    Fast, seamless prescription renewals through our platform.

    Vision Care

    Comprehensive vision coverage and significant eyewear discounts.

    Identity &
    Financial Protection

    Robust protection for your personal identity and financial assets.

    From census to savings in five steps

    Fully managed. Works with your existing payroll provider.

    1

    Census

    Share basic payroll info.

    2

    Savings analysis

    We return your exact estimated savings.

    3

    Enrollment

    Auto, in person, or virtual.

    4

    Payroll setup

    We coordinate with your existing provider.

    5

    Go live

    Savings begin next payroll.

    If you have 10+ W-2 employees, you likely qualify

    Trucking & logisticsManufacturingHealthcareNonprofitsChurchesSchoolsCounties & citiesHospitalityConstructionRetailProfessional services

    Calculate your projected savings

    Adjust the slider below to see estimated payroll-tax savings based on your employee count.

    LIVE ESTIMATE

    See your projected savings.

    Figures based on the average $505.20 annual employer payroll-tax savings per enrolled W2 employee. Actual savings depend on payroll structure.

    W2 EmployeesRange 10 — 1,000
    18
    ↓ ADJUST
    102505007501,000

    Serving businesses of all sizes.

    More than 1,000?

    Monthly$758
    Annual$9,093.6
    Five-Year$45,468

    Added Employee Benefits

    Annual
    Value
    $32,400
    5-Year
    Cumulative
    $162,000

    What employers ask first

    See your real numbers today

    Send a simple census. We'll calculate your exact estimated savings and each employee's allotment using your real payroll data.

    Call 256-908-8385LHCCapital.orgOffices in AL and TNContact Us
    For EmployersFor AgentsFor Partners

    ESPA is a preventive benefit program built on IRS Section 125 and 213(d) frameworks, offered through Legacy Heritage Capital, powered by ESPA. This is not tax, legal, or insurance advice. All numbers are estimates and depend on your specific situation. Confirm with your tax, payroll, legal, and benefits advisors.