Pre-tax Considerations

Pre-tax Considerations

100% of your eBenefits contributions can be paid pre-tax.   All eBenefits plans exceed the requirements employers/employees are under to meet Penalty A of the ACA. All plans are Section 125 self-funded plans. 

As of Jan 1, 2026, 50% of your Sedera contribution can be pre-tax.  The remaining balance of your Sedera payment must be considered as post-tax.

The cost of Membership in the Sedera Medical Cost Sharing Community is referred to as the Monthly Member Contribution and is broken into two components:
  1.  the Member Services Contribution and
  2. the Medical Cost Sharing Contribution.

The Tobacco Surcharges, if applicable, are treated the same as the Medical Cost Sharing Contribution.

Member Services Contribution
The Member Services portion of your Monthly Member Contribution is used to pay for administrative services related to medical cost sharing. It may qualify for a Fringe Benefit Exclusion under your Section 125 plan. Excluded Fringe Benefits are generally not subject to federal income tax withholding, Social Security, Medicare, federal unemployment (FUTA) tax, or Railroad Retirement Tax Act (RRTA) taxes and aren't reported on Form W-2.

Medical Cost Sharing Contribution
Medical Cost Sharing Contributions are funds that are used for the sharing of medical needs within the Sedera Medical Cost Sharing Community. Medical Cost Sharing is not insurance
and generally does not qualify for a Fringe Benefit Exclusion.

    • Related Articles

    • Are 1095 forms issued for the SALA Healthcare Program

      No, they are not. The 1095 forms are usually issued to document participation in a market place plan or an employer sponsored plan. Most members will not need 1095, but in the case that your state does require some proof of participation, SALA can ...

    • How does the program handle diabetes

      Diabetes, regardless of type, will always be considered a pre-existing with Sedera and subject to the pre-existing condition phase-in limitations. Insulin and other maintenance meds will go through the eBenefits side of the program.

    • Completing your Sedera Enrollment

      If you have also enrolled in the Sedera Medical Cost Sharing Community, you will receive an onboarding email from Sedera with instructions on how to access your Sedera Member Portal. To complete your Sedera enrollment, please follow the link in that ...

    • What enrollment changes are needed when a baby is born?

      If you're pregnant, we suggest you review this knowledge base article first:  https://helpcenter.salahealthcare.org/portal/en/kb/articles/wa Regarding changes to your enrollment here are the steps and some other considerations: Notify SALA ...

    • Essential Information - what to know and who to call

      Thank you for enrolling in the SALA Healthcare Program provided through your membership organization. As a reminder, the program is not insurance but a self-funded Association Sponsored plan from eBenefits and Medical Cost Sharing through Sedera. ...