AAP,Inc - Select Your Business Type

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Start Saving $3,000 in Taxes Each Year!

You Are Going to Learn About The Largest Tax Break

The Government Has

Ever Provided to The Self Employed.

It Will Help You Reduce The High Cost Of Your Health Insurance!

Are you a 1099, Sole-Proprietor, Sub S, LLC or C Corp? You qualify!

Start Having Your Business Tax Deduct and reimbursing 100% of all your medical Expenses and Insurance Premiums as a business expense. Average tax savings of $3,000.00 per year!

Every self employed individual in the United States Should Be Taking Advantage of this program. Don't miss your opportunity!

What is the AAP HRA-105 Plan?

It is a health reimbursement arrangement, or 105 HRA. It enables self-employed individuals to reimburse medical expenses, including health insurance premiums, from the business as a tax-free fringe benefit. Instead of taking a limited deduction for health insurance and other medical expenses on your IRS form 1040, you can now count it as a business expense on your schedule C!

Once Your AAP HRA-105 Plan is established you can begin deducting:

Health insurance premium
Dental coverage
Vision coverage
Rx benefits
Medicare and long-term care premiums
Disability premiums
Life insurance premiums on spouse
Preventative care benefits such as annual physicals, preventative screenings, weight loss programs, or smoking cessation programs
Alternative care such as chiropractors and acupuncture
Over-the-counter medication
And more

Your HRA Plan will define what is covered.

Who Qualifies for the AAP HRA-105 Plan (1)

Sole-Proprietorship: As a Sole-Proprietor you must have an employee or at least one part time employee to qualify. Your spouse can qualify as the employee. It is not unusual for the spouse to do bookkeeping or other work within the business.

Sub S Corp, C Corp or LLC: It will not be necessary to use the spouse/employee method provided the company has employees. The corporation becomes the employer and the owner is an employee as long as the owner is receiving a regular paycheck.

(1)Reference: Section 105 of the Internal Revenue Code, Revenue Ruling 71-588 and IRS Letter Ruling 9409006.

Example of the benefit of your own HRA for ONE®:

Two children need braces - the cost per child is $5,000.00. You are able to have your business reimburse you for their expenses and deduct the entire expense as a business expense.

Note: To be able to take advantage of the 105 HRA you must have a formal Written Plan Document and A Summary Plan Description. Plus you must be sure that your plan is structured properly to include the owners of the business. Many business owners and their accountants do not take advantage of the 105 HRA. By not taking advantage of the program you are paying 15.3% in self employment taxes every year on your health insurance premiums, and you are losing thousands of dollars in tax deductions.