The Oxnard-based nonprofit operates on a model that bypasses traditional commission-heavy structures. By removing profit-driven layers between patients and providers, the company claims it can lower healthcare costs without relying on the creative tax interpretations that have recently drawn federal attention. CEO John Zabasky warns that many 105(b) programs promise savings that often fail to survive a standard audit.

HealthWorX advocates for a transition toward transparent administration that prioritizes actual patient access to primary care over artificial tax-free schemes. Zabasky identifies a fundamental conflict of interest in the industry, where insurance brokers may be incentivized to maintain high premiums to secure larger commissions. He advises business owners to demand total transparency regarding advisor compensation and to scrutinize any plan that relies on aggressive tax positioning rather than operational efficiency.