LH Capital

LH Capital We make benefits work better—for employers and employees.

LH Capital helps businesses reduce payroll taxes, increase employee benefit participation, and improve retention through smart, tax-advantaged benefit strategies.

Does this work with our current broker?Yes — ESPA is designed to run alongside your existing broker relationship, not ar...
09/03/2026

Does this work with our current broker?

Yes — ESPA is designed to run alongside your existing broker relationship, not around it or in competition with it. Your broker doesn't need to be replaced, and in a lot of cases, brokers are the ones bringing ESPA to their clients in the first place. If you already have a trusted broker, loop them in early.



espaplan.com

"Better benefits, lower taxes, same paychecks — all three, proven out."An operations manager at a regional trucking comp...
09/02/2026

"Better benefits, lower taxes, same paychecks — all three, proven out."

An operations manager at a regional trucking company shared this after a full quarter on ESPA. All three claims we make up front — enhanced benefits, payroll-tax savings, unchanged take-home pay — held up in practice, not just in the initial estimate.



espaplan.com

See your exact number in about 25 minutes.This isn't a multi-week sales process. Send a simple census — basic payroll in...
09/01/2026

See your exact number in about 25 minutes.

This isn't a multi-week sales process. Send a simple census — basic payroll info you likely already have on hand — and we'll return your exact, employee-level estimated savings in about 25 minutes. No obligation, no generic pitch deck, just your real numbers so you can decide with actual information.



espaplan.com

Myth vs. fact: does ESPA change our existing health plan?Common myth: adding ESPA means changing or replacing your curre...
08/31/2026

Myth vs. fact: does ESPA change our existing health plan?

Common myth: adding ESPA means changing or replacing your current health plan. Fact: it sits fully on top, completely separate — your existing coverage doesn't change at all. If you've been holding off exploring this because you assumed it meant a disruptive plan switch, that assumption isn't accurate. Drop your question in the comments and we'll answer it directly.



espaplan.com

Real numbers, not a sales pitch.Every stat we publish — the ~$505/employee/year, the ~$150/month allotment — comes from ...
08/30/2026

Real numbers, not a sales pitch.

Every stat we publish — the ~$505/employee/year, the ~$150/month allotment — comes from actual census-based analyses, not an industry-wide average dressed up as a projection. When you send your census, you get your numbers, specific to your workforce and your state.



espaplan.com

Do I need a new license or line of authority?In most cases, no — but licensing and appointment requirements vary by stat...
08/29/2026

Do I need a new license or line of authority?

In most cases, no — but licensing and appointment requirements vary by state and by role, so we always confirm exactly what applies before you present anything. If you're already licensed to discuss group benefits, adding ESPA to your conversations is usually straightforward.



agents.espaplan.com

The whole household, not just the employee.ESPA benefits don't stop at the employee — 24/7 virtual care, counseling, leg...
08/28/2026

The whole household, not just the employee.

ESPA benefits don't stop at the employee — 24/7 virtual care, counseling, legal resources, and more extend to the whole household. For a lot of families, that's the difference between skipping care and actually using it, especially outside normal business hours when urgent care wait times are longest.



espaplan.com

Your network is worth more than you think.Think about how many business owners you already know — through family, church...
08/27/2026

Your network is worth more than you think.

Think about how many business owners you already know — through family, church, your kids' school, your own vendors. Each one is a potential referral, and each successful referral means recurring monthly income, not a one-time payout. You're not starting a side hustle from scratch; you're monetizing relationships you already have.



partners.espaplan.com

Is this some kind of loophole?No — and this question comes up a lot, understandably. "Lower taxes and better benefits" c...
08/26/2026

Is this some kind of loophole?

No — and this question comes up a lot, understandably. "Lower taxes and better benefits" can sound like it's exploiting a gap. It isn't. ESPA is a preventive benefit program built on established IRS Section 125 and 213(d) frameworks that have existed for years. This is not tax or legal advice, and we always encourage employers to confirm details with their own advisors.



espaplan.com

Where do the savings actually come from?Not a loophole, not magic — payroll-tax structure. ESPA is built on IRS Section ...
08/25/2026

Where do the savings actually come from?

Not a loophole, not magic — payroll-tax structure. ESPA is built on IRS Section 125 and 213(d) frameworks, and the estimated savings come from lower payroll-tax matching once eligible benefits are set up pre-tax. We're happy to walk through the mechanism in plain language, and we always recommend confirming details with your own tax and payroll advisors.



espaplan.com

Address

1605 Beltline Road SE Ste. D Box 358
Somerville, AL
35601

Opening Hours

Monday 8am - 8pm
Tuesday 8am - 8pm
Wednesday 8am - 5pm
8pm - 9pm
Thursday 8am - 8pm
Friday 8am - 8pm
Saturday 8am - 8pm

Telephone

(866)3422728

Website

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