Ken Kaneversky Insurance SolutionsKen KaneverskyInsurance Solutions

For CEOs · CFOs · HR Leaders

Increase employee satisfaction. Decrease turnover.

We offer a revolutionary way to benefit the employees, and the company, in one simple process. If you take pride in attracting & retaining the best employees, then this plan is for you.

Introducing The CHAMP™ Plan.

78%

of executives state that employee retention is one of their biggest challenges. We can help solve that problem.

A 2-minute introduction

See the CHAMP™ Plan in action

Take the details with you

Plan documents

CHAMP™ Plan CEO flyer

The two-page executive overview — employer savings, employee benefits, and how the plan works alongside your current insurance.

Download PDF

CHAMP™ vs. other plans

The side-by-side comparison sheet — funding, coverage, compliance, and savings versus typical "wellness" plans.

Download PDF

Full plan & enrollment guide

The complete plan details and enrollment walkthrough for your team — being prepared now. Ken will walk you through it today.

Request from Ken

From first call to enrolled team

How it rolls out at your company

1

A short discovery call

Ken learns your headcount, current benefits, and payroll setup — enough to tell you honestly whether the plan fits your company at all.

2

Your company’s numbers

A savings analysis built on your payroll — so leadership and your CPA see your company’s math before any decision.

3

Green light & setup

Plan documents and enrollment materials are prepared for your team — including the full plan & enrollment guide from the packet above.

4

Guided enrollment

Your employees are walked through enrollment in plain English, with every question answered. Ken stays your single point of contact.

What it does for the company

Great for your company. Great for your people.

A revolutionary health-care solution designed to complement any health-insurance plan while giving employees additional benefits — at zero net cost.

$45+

per employee / month

Payroll-tax savings

Employers on average will save over $45 monthly per employee in payroll tax savings.

take-home pay

A raise that costs you nothing

Employees on the program may see an increase in their take-home pay with participation in the CHAMP Plan.

+

health & wellness

Stronger benefits

Provides employees with extra health and wellness benefits, and the most innovative & interactive wellbeing management program.

no disruption

Works alongside your plan

Does not replace, compete, or interfere with your primary health insurance. It complements what you already offer.

What your employees get

An employee-focused plan

Finally, a plan that focuses on improving your physical as well as financial wellbeing. The company sees a net savings for each employee — and most eligible employees receive extra benefits plus an increase in their net take-home pay.

Unlimited Primary & Urgent Care

$0 — Zero deductible, zero copay, unlimited in-person primary care and urgent care visits.

Prescription Medications

$0 on covered prescription medications.

Virtual Care, 24/7/365

Unlimited virtual primary care and mental-health services, any time, every day of the year.

100% Preventative Care

$0 copay for the employee on preventative care.

Personal Health Dashboard

Each employee gets their own health dashboard to track and manage their wellbeing.

Personal Health Improvement Plan

A guided, personalized plan to actually improve health over time.

No Copay.No Deductibles.No Coinsurance.

Champion Health vs. Other Plans

Not all plans are created equal

Many “wellness” plans look similar on the surface. The structure underneath is where the risk — and the savings — actually live.

Funding
100% post-tax employee contributions. Benefits are non-taxable under IRS §104(a)(3).
Uses pre-tax dollars but pays taxable benefits. Creates IRS and compliance risk.
Type of Benefit
Health benefit that pays providers directly for substantiated medical events (CPT codes / EOB-supported care).
Wellness reimbursements for non-medical activities from pre-tax dollars are taxable. Most are not true medical benefit payments.
Coverage
ACA-compliant MEC plus unlimited $0 in-person care: primary care, urgent care, annual physicals, prescriptions.
Virtual or telehealth-only focus. Limited scope with no comprehensive in-person care.
Plan Structure
Self-funded ERISA health benefit. Potential employer refund on unused plan dollars.
No refund mechanism. Funds repurposed as supplemental indemnity. No transfer of risk.
Family Eligibility
Guaranteed Issue for the entire family.
Virtual or telehealth-only focus. Limited scope with no or limited comprehensive in-person care.
Employee Experience
Employee leaves the provider with a $0 bill, $0 copays, $0 prescriptions. Care delivered at point of service.
Employees only have coverage for virtual visits. Full price for in-person care.
Annual Savings
$2,000–$5,000+ average savings for the employer and employee combined, including health-insurance renewals. Creates a strong EBITDA multiplier effect.
Savings taxable to the employee. Risk of discrimination testing failures.
Compliance & Risk
Post-tax funded. Aligned with IRS, ACA, ERISA, and DOL. Backed by tax insurance.
Disclaimers admit benefits "may be taxable." Employers face IRS and class-action exposure.
Credibility
ACA-aligned. ERISA-governed. DOL-compliant plan design.
Not A-rated. Not DOI-registered. Repackaged indemnity-style products.

Bottom line

Not all plans are created equal, and cutting corners is costly. CHAMP delivers broader access at a lower net cost, with first-dollar medical care, airtight compliance, and superior employer ROI.

Shortcuts in healthcare come with real consequences. Copycat plans provide less, often cost more, and expose employers to material tax and legal risk.

A separate, partnered solution

CHAMP pairs with a full payroll, HR & finance platform

This is its own product — a cloud platform that runs payroll, HR, and finance in one place. It stands on its own, and it’s built to work hand-in-hand with the CHAMP Plan. Take CHAMP, take the platform, or take both — they’re designed to fit together.

$2.20platform — net cost per employee, per month

Paired with the CHAMP Plan’s payroll-tax savings, the platform can more than pay for itself.

HR Cloud

Easy employee onboarding and offboarding, benefits enrollment, time & attendance, PTO and sick-time management, workflow set-up, and reporting automation — a top-tier HRIS that scales with you.

Payroll Made Easy

Accurate, automated payroll processing, payroll-tax payments and filings, W-2s, and 401(k) automations — no more manual bottlenecks.

Finance Cloud

Accounting integrations, budgeting, expense management, corporate cards, and bill pay — all in one place.

Fully integrated. Achieve excellence with real results.

Explore the platform

How much can we save your company?

A short conversation shows you your company’s own numbers — no obligation.

Ken Kaneversky Insurance Solutions, LLC · ken@kenkaneversky.agency · ChampPlan.com

Disclaimer. The information provided here does not, and is not intended to, constitute legal, tax, or financial advice; all content is for general informational purposes only and may not reflect the most current developments. Savings figures are illustrative and vary by company, plan design, and employee participation — they are not a guarantee of results. Employers should consult their own attorney, CPA, or financial advisor regarding their particular situation before acting on this information. The CHAMP Plan is designed to complement, not replace, existing health insurance.