Better Care for Your Team, More Savings for Your Business

Buoy CHAMP is a fully enhanced health plan ecosystem. Rather than just handling basic administrative setup, we combine the foundational core of the CHAMP Plan™ with modern digital technology, proactive employee engagement and dedicated support for both employers and employees. This turns a traditional tax-advantaged benefit into a seamless, high-utilization wellness experience that handles the heavy lifting for your business while maximizing care for your crew.

Harbor Shield is our built-in compliance and security layer, included standard at no additional charge to give business owners absolute peace of mind. The modern regulatory and benefits landscape is increasingly complex, so we don't just set up your program and leave you to manage the shifting compliance rules alone. Harbor Shield proactively insulates your business by providing full Section 125 plan structure oversight and dedicated administrative defense, ensuring your workforce infrastructure remains rock-solid and fully protected.

A Section 125 Plan (sometimes called a cafeteria plan) is an IRS-recognized benefit structure that allows employees to pay for certain benefits with pretax dollars. In CHAMP, this structure helps generate tax savings that can reduce taxable wages and support value for both employers and employees.

No. CHAMP is not intended to replace traditional health insurance. It can work alongside major medical coverage or as part of an affordable MEC-based strategy, depending on employer setup.

Your team stays fully covered without having to worry about constant app check-ins. The platform handles the compliance work behind the scenes by regularly sending out helpful health updates and tips directly to your employees. 

Because these digital touchpoints count as active health engagement under the latest rules, your team automatically stays compliant and keeps their coverage unlocked, even if they don't fill out a monthly assessment or book a doctor's visit.