More often than not, it is the problems surrounding healthcare which make it through our media and not the solutions. There are of course the barrage of different political and legislative reforms combating one and other while vying for the attention of the general public; but the vast majority of the Federal AHCA and state specific legislative changes are so steeped in nuanced obscurities that even the most learned of experts struggle to understand them completely. It therefore behooves employers toiling to provide employer sponsored insurance to turn their attention, if only briefly, toward more pragmatic, simple and accessible solutions to the growing number of challenges they face. IRS section 125 premium only plans (POP), a tax-free approach to premium cost savings, are one technique employees can utilize when seeking to control the costs of healthcare.