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Featured · Buoy CHAMP
Make open enrollment affordable.
$573.60estimated employer FICA savings a year, per enrollee
Estimate your savingsBy industry
- Transportation and fleetHealthcare that goes wherever your drivers go
- Restaurants and hospitalityKeep your best staff and save on every paycheck
- Beauty and wellnessHealthcare your stylists can actually use
- Logistics and distributionStop missed shifts before they hurt your business
- ManufacturingMore pay and $0 medical care for your crew
- RetailHigher paychecks and doctor access for store staff
- Landscaping and hardscapingReal healthcare and better pay for outdoor crews
- Moving and storageKeep experienced crews on the job
- Staffing agenciesFill open shifts faster with $0-cost health perks
- Franchises and multi-unitBig-company benefits across all your locations
- Unions and associationsHigher paychecks and everyday support for members
- Public sector and educationRaise take-home pay without expanding your budget
- Associations and chambers of commerceBig-company health perks for member businesses
Get started
Start with Buoy CHAMP
Resources
- Estimate your savingsSee what CHAMP could save your business
- VideosHow CHAMP works, and what it does for your industry
- CHAMP program overviewTax savings, workflows and care access
- 2026 Health Coverage Affordability ReportThe data behind rising benefit costs
- FAQsCommon questions about Buoy CHAMP
Get started
Start with Buoy CHAMP
buoy CHAMP
Give your small business members big-company health perks.
Proving member value is everything. CHAMP lets your small and mid-sized member businesses offer Fortune 500 style benefits, including $0 copay primary care, 24/7 virtual care and $0 prescriptions, without administrative friction. Through Section 125 tax efficiency, your members increase worker take-home pay while lowering their own payroll taxes, turning a cost center into a savings engine backed by full Harbor Shield audit defense.
Watch
The Ultimate Member Benefit for Chambers of Commerce
Give members a benefit that helps them keep their best people: larger take-home pay for their staff and lower payroll taxes for their business.
Worker and employer value
Member value
Turn benefits from a cost center into a savings engine.
- Worker value: Enterprise-grade $0 copay health access plus an immediate boost in net take-home pay.
- Employer value: High-value member perk, lower payroll tax exposure for member businesses and 1099 contractor coverage options.
What CHAMP is
Everyday care alongside your major medical plan, or on its own.
Buoy CHAMP is a Minimum Essential Coverage plan offered under a Section 125 arrangement. It is not major medical coverage and it is not a replacement for a major medical plan.
It is designed to provide practical everyday healthcare access, and it can operate alongside your existing major medical coverage or on its own.
Solutions
More from Buoy CHAMP.
- Transportation and fleetHealthcare that goes wherever your drivers go
- Restaurants and hospitalityKeep your best staff and save on every paycheck
- Beauty and wellnessHealthcare your stylists can actually use
- Logistics and distributionStop missed shifts before they hurt your business
- ManufacturingMore pay and $0 medical care for your crew
- RetailHigher paychecks and doctor access for store staff
- Landscaping and hardscapingReal healthcare and better pay for outdoor crews
- Moving and storageKeep experienced crews on the job
- Staffing agenciesFill open shifts faster with $0-cost health perks
- Franchises and multi-unitBig-company benefits across all your locations
- Unions and associationsHigher paychecks and everyday support for members
- Public sector and educationRaise take-home pay without expanding your budget
Make open enrollment affordable this season.
Run a free savings analysis for your team.