SIMRP Articles and Educational Resources
Clear Information for Informed Decisions
Explore practical articles about SIMRP Plans, employee benefits, eligibility, payroll tax considerations, compliance, implementation, and scholarship funding for educational organizations.
These resources explain complex topics in clear language so business leaders, school administrators, and HR professionals can better evaluate whether a SIMRP may fit their organization.
What Is Direct Primary Care?
A plain-English guide to direct primary care for employers and schools: what DPC is, how it differs from insurance and concierge care, 2026 HSA rules, and how to reach us in TX, CA, SC, and East Tennessee.
The Complete Guide to Self-Insured Medical Reimbursement Plans (SIMRP)
A plain-English guide to self-insured medical reimbursement plans: Section 125 and 105, eligibility, the 26 CFR § 1.105-11 nondiscrimination tests, compliant vs. non-compliant plans, payroll basics, and FAQs.
What Is a WIMPER Plan? (And Why It Depends on a SIMRP)
WIMPER is a marketing name, not an IRS term. Programs sold as WIMPERs depend on a compliant self-insured medical reimbursement plan, which is what the IRS regulates.
WIMPER vs. SIMRP: Why the IRS Only Recognizes the SIMRP
SIMRP is the structure in IRS regulations (26 CFR § 1.105-11). WIMPER is a marketing name for programs that depend on it.
Is a WIMPER Plan Legal? What the IRS Actually Regulates
The IRS regulates self-insured medical reimbursement plans, not "WIMPERs." What the 2023 IRS memo means and what keeps a plan compliant.
How to Evaluate a SIMRP Vendor
What CCA 202323006 means for vendor claims, why WIMPER is only a marketing name, and the questions to ask before you enroll.
How a Compliant SIMRP Works (and the IRS 2023 Wellness Plan Warning)
A compliant SIMRP pairs a Section 125 cafeteria plan with a Section 105 medical reimbursement plan, passes the nondiscrimination tests, and pays only for real medical care or coverage, which is what keeps it clear of the problem the IRS flagged in 2023.
SIMRP Case Study: Public School District Outside Social Security
Illustrative case study based on an actual client census for a large public school district whose employees do not pay Social Security, plus a labeled paycheck example for Social Security-paying employees.
Direct Primary Care for Schools and Businesses
What direct primary care (DPC) is, why schools and businesses look at it, and how to reach us if you are exploring DPC in Texas, California, South Carolina, or East Tennessee.
Introduction to SIMRP
Read an excerpt from The CPA Journal article by Peter Kari and Dominick G. Mondi explaining how a Self-Insured Medical Reimbursement Plan (SIMRP) is defined.
IRS Guidelines for Reimbursements
Medical expenses incurred before a self-insured reimbursement plan is established cannot be reimbursed tax-free. See what IRS rules say about taxable income.
Is a SIMRP a Grant?
A SIMRP is a medical plan run by your organization with grant-like qualities. See how it can turn payroll tax savings into funding for schools and businesses.
Understanding the Affordable Care Act
Explore the history, key benefits, and lasting impact of the Affordable Care Act, from expanded coverage to pre-existing condition protections for Americans.
School Business Officials & SIMRPs
School business officials: learn how SIMRPs work with existing health coverage, may reduce payroll taxes, and can boost take-home pay. Key points to know.
Schools Can Overcome Budget Cuts
Schools face shrinking budgets, rising costs and unfunded mandates. See how a SIMRP can give administrators much-needed relief and boost staff morale today.
School Districts Payroll Tax Savings
Innovative SIMRP structure may help organizations reduce payroll tax burdens while expanding employee wellness resources at no additional out-of-pocket cost.
Are SIMRP Plans Illegal? The Truth
SIMRP plans are not illegal when properly structured. Learn what makes a plan compliant, why some headlines claim otherwise, and what employers should know.
SIMRP Funds for Retirement Savings
A SIMRP can free up take-home pay that employees may redirect into a 401(k), Roth IRA, or annuity. See how modest contributions can compound over time.
MSN Interview with Dr. Scherz
Dr. Jared Scherz explains how SIMRPs help public-sector employers support employee wellness and reduce payroll tax burdens. Read the key takeaways.
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