


Most plans are designed around a calendar. Soda Packs are designed around people. Credits carry forward automatically. Use them in a heavy year. Save them for later. Top up if you run out early. Your team's health doesn't follow a fiscal year - neither should their benefits.
Yes, that’s intentional. Soda Packs are priced so your team receives more healthcare value than the amount you pay upfront. The bigger the pack, the bigger the savings.

Whatever your team doesn't spend by year-end doesn't disappear. We carry it forward and use it to offset your next policy year's tax invoices - like a balance you walk into next year with.

You renew with us → unused balance carries forward as credit against next year's invoices. No paperwork, no refund request - it's just there.

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