Affinity Hospice — Multi-State, CBIZ-Vetted, $140K+/Year in Savings
CFO Ariel Joudai is a practicing CPA. Before enrolling his nationwide hospice organization, he commissioned CBIZ Advisors LLC — a top-7 U.S. accounting firm — to independently review the program against IRC §§ 125, 105, 106, ERISA, ACA, and COBRA.
- · Multi-state organization
- · CBIZ independently vetted
- · CFO is a CPA
CBIZ conducted rigorous vetting and issued a letter determining that the plan qualifies as a cafeteria plan meeting the requirements of IRC Section 125.
The structure that produced this result
CBIZ's August 22, 2025 letter concluded the program satisfies the requirements of ERISA, the ACA, and COBRA when operated per its provisions. Ariel published the letter publicly in his testimonial — a level of disclosure that's atypical for a multi-state CFO and tells you what kind of confidence he had in the structure.
Hospice organizations are unusually clean fits for Section 125: large W-2 caregiver workforces, predictable payroll, and an existing focus on health benefits that complements the program's preventive-care wellness layer. The math is mechanical — every enrolled employee earning $25K+ produces $681.60/year in net employer FICA savings, and the program's wellness benefits package (24/7 telemedicine, free generic medications, dental savings) is genuinely valuable to caregivers.
Affinity's example is the clearest evidence brokers and CPAs ask for: a fellow CPA, on the buying side, commissioning a top-7 accounting firm review, then putting his name and his organization's on the public record after enrolling.
See your number — pre-filled to Nationwide Hospice Care.
The calculator returns your exact net employer FICA savings + a Workers' Comp reduction estimate. Same math, your headcount. Verified by CBIZ + HitesmanLaw.
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Minimum 10 W-2 employees · $25K+ salary · ACA-compliant health coverage required
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Verified by the Best in the Country
Skepticism is the right response. We don't ask you to take our word for it — we bring institutional proof that convinced CPAs, CFOs, attorneys, and insurance brokers to enroll their own companies.
Darcy L. Hitesman, J.D.
35+ years as an Employee Benefits attorney specializing in IRC Section 125, ERISA, HIPAA, and the ACA. Her May 5, 2025 opinion letter concludes: “In this firm's opinion, the Program described satisfies applicable IRS requirements.”
She specifically reviewed the IRS Chief Counsel Advice memoranda on "double-dip" arrangements — the exact schemes the IRS has flagged — and concluded this program is built differently and compliantly.
CBIZ Advisors LLC
CBIZ independently reviewed the program against IRC §§ 125, 105, and 106, plus ERISA, ACA, and COBRA requirements. Their August 22, 2025 letter concludes: “If operated per its provisions, the Program appears to satisfy the requirements of ERISA, the ACA, and COBRA as well.”
This review was commissioned by Affinity Hospice's CEO before enrolling his nationwide organization — and the CFO (himself a CPA) shared the letter publicly in his testimonial.
Direct From the U.S. Government
Section 125 has been in the Internal Revenue Code since 1978. Congress wrote it there specifically to encourage employers to fund preventive healthcare for American workers. This is not a loophole — it is the precise, intended use of a 47-year-old federal law, grounded in IRS Revenue Ruling 69-154, the specific published ruling supporting the benefit payment structure.
→ Verify on IRS.gov — Section 125 Cafeteria Plans ↗Find Out Your Number.
Free. No Pitch. Just Math.
Verified: CBIZ Advisors LLC (Aug 2025) · HitesmanLaw P.A. (May 2025)
$500K legal protection per enrolled employer · IRS Section 125 · Federal law since 1978