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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
Big-company health benefits scaled across all your locations.
Multi-unit operators need to deliver enterprise customer experiences on local margins. CHAMP turns benefits from a major cost center into a savings engine across all your franchise locations, increasing staff take-home pay, providing $0 copay care and protecting multi-unit compliance through Harbor Shield.
Watch
How to Offer "Corporate-Level" Benefits on a Franchise Budget
Offer corporate-level benefits on a franchise budget by turning payroll into savings that fund care for every location.
Worker and employer value
Multi-unit
Unified compliance and tax savings across locations.
- Worker value: Enterprise-level healthcare perks with $0 out-of-pocket expenses.
- Employer value: Scalable labor savings across multiple locations with zero administrative friction.
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
- 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
Make open enrollment affordable this season.
Run a free savings analysis for your team.