Corporate Health Benefits · Zoe Group Benefits
Your company is probably overpaying for health benefits. Let’s fix that.
About 26¢ of every fully insured premium dollar is the carrier’s spread — what they charge above what the same plan costs to run directly. We build self-funded plans that save companies 15–30%+ — money that goes straight to your bottom line, not the carrier’s. Same benefits for your people. Better service for your HR team.
No pitch, no obligation, no cost — and you hear back from a person within one business day.
15–30%+
Typical savings when a fully insured group moves to self-funding.
100%
Of your pharmacy rebates come back to you — not the carrier.
Top 3
Where health benefits usually rank among your company’s expenses.
1 advisor
One named person accountable for your plan — not an 800 number.
Savings. A better product. Transparency. Support that shows up.
Where the money actually goes
Health benefits are likely one of your top three expenses.
They are also the one line item you can cut without taking anything away from your people. Most of a fully insured premium does real work. About a quarter of it does not.
Your fully insured premium dollar
Where each cent of the premium you pay actually lands.
Illustrative split of a fully insured premium dollar, built from an executed proposal for a mid-size employer group. Actual loads vary by carrier, group size, plan design and claims experience.
26¢
of every premium dollar is what the carrier charges above what the same plan costs you to run directly.
Some of it is margin. Most of it is money set aside for claims that never happened — and when they don’t happen, the carrier keeps it. Every year.
13¢ · Risk corridor
Funding for claims above what your group is expected to run. Stay at expected and it is never spent. In a fully insured plan it does not come back to you.
13¢ · Margin and kept rebates
The carrier’s underwriting margin, plus manufacturer rebates earned on your employees’ prescriptions and retained rather than credited to your plan.
That 26¢ is not a fee you can negotiate. It is a consequence of how the plan is funded. Change the funding.
What it is worth
One 250-employee company. Three ways the year can go.
Same doctors. Same networks. Same ID cards in the same wallets. The only thing that changed was who was holding the risk — and who kept what was left over at the end of the year.
If the year runs flat · total plan cost
Fully insuredThe renewal they were quoted
$4.60M
Self-fundedWhat the plan actually cost
$3.48M
The differenceStayed with the employer
$1.12M
That $3.48M is not an estimate you have to take on faith. It is $2.38M of expected claims + $810K of stop-loss + $290K of administration, net of pharmacy rebates credited back to the plan. Every line quoted separately, every line yours to question.
The year does not have to run flat for this to work.
Claims are not a number anyone can promise you. So here is the whole range — including the year where everything goes wrong.
Claims run under expected
29.5%
$1.36M saved
You only pay the claims you actually incur. A good year is not a rebate you have to ask for — it is money you never sent.
Claims run flat, at expected
24.3%
$1.12M saved
The base case. The risk corridor — $595K funded for claims above expected — is never spent, and it stays in your account instead of the carrier’s.
Claims run to the ceiling
11.4%
$525K saved
The worst case. Claims run all the way to the aggregate stop-loss attachment, the corridor is fully spent — and it still costs less than the guaranteed premium.
The best case is money you never spent. The worst case still beat the guarantee.
See the full five-year breakdown, year by year →
Representative example of roughly 250 employees, scaled from an executed proposal for a mid-size employer group. Figures are illustrative and rounded, and are shown to explain how the funding model behaves rather than to quote or project your plan. The ceiling assumes claims funded to the aggregate stop-loss attachment point at roughly 125% of expected, with fixed costs unchanged; your actual ceiling depends on attachment point, plan design, census and claims experience.
Why companies move
Better benefits. Better service. Lower costs.
Improving employee benefits and client service while decreasing your health care cost. Typical savings of 15–30%+ — with the same or better coverage for your people.
01 · Savings
Savings that hit the bottom line
Self-funding strips the carrier’s margin out of your healthcare spend. Unspent claims dollars stay in your account — typical savings run 15–30%+.
02 · Better product
A better product for your people
We don’t cut costs by cutting coverage. Your plan is designed around your workforce — the benefits employees actually use, with more flexibility than any carrier’s standard menu.
03 · Transparency
Transparency carriers won’t give you
You see the claims data, the renewal math, and the pharmacy rebates — which come back to you, not the carrier. Traditional fully insured plans show you none of it.
04 · Support
Support that answers the phone
Your HR team and your employees get a named advisor, not an 800 number. We handle the TPA, the stop-loss, the renewals — and the claim that got denied at the worst possible time.
We don’t cut costs by cutting coverage. We cut out the carrier’s margin.
How it works
Three steps. One advisor who stays accountable.
No drawn-out discovery, no procurement theater. We look at your actual numbers, tell you plainly what we see, and build the plan only if the math works in your favor.
01
Analyze
A free, no-obligation review of your current plan — premium, claims experience, renewal history. You see the math before you commit to anything.
02
Design
If self-funding fits, we build it: a proven administrator, stop-loss coverage that caps your risk, and benefits designed for your workforce — not a carrier’s standard menu.
03
Support
Then we stay accountable all year. Renewals, claims problems, employee questions — one number to call, and a named advisor who answers it.
And if self-funding isn’t right for your company, we’ll tell you that too. An honest answer costs you nothing but a two-minute conversation.
Why companies leave the big firms
The same market. A very different level of service.
National brokerages are good at winning accounts. Staying accountable to a 150-life employer three years later is a different job — and it is the whole reason we exist.
A big national firm
Zoe Group Benefits
Who actually handles your account
An assigned service team you didn’t meet during the pitch, with normal turnover.
The advisor who sold you the plan — still on it, all year.
What your size means to them
A small line on a very large book of business.
One of a deliberately small number of clients we can serve properly.
When an employee has a claim problem
Log a ticket and wait in the queue behind the bigger accounts.
Call or text us. We chase the administrator and follow it to resolution.
Advice on how you fund the plan
Whatever renews most easily — usually the fully insured status quo.
We show you the math on both models and tell you which one wins.
Renewal season
A spreadsheet lands in your inbox six weeks out with a number on it.
We start months ahead, with claims data you can actually read.
None of this requires a bigger firm. It requires an advisor whose name is on the account — and who has room to answer the phone.
Let us show you the math
Find out what your company would actually save.
Answer a few questions about your current plan and we will tell you plainly whether self-funding is worth exploring — and roughly what it would be worth. No pitch, no obligation, no cost.
On a fully insured group plan today and not ready to change how it is funded? We handle that too — we will shop the market to increase benefits and lower costs. And with dental, vision, and the rest of the ancillary lines, Zoe Group is one stop for all your benefits.
You will hear back from us within one business day — from a person, not an auto-responder.
2 minutes
That is the whole ask. No spreadsheet to fill out, no census file to dig up.
Real numbers
We model your actual claims exposure and fixed costs — not a generic savings estimate.
A straight answer
If you are better off staying fully insured this year, we will tell you that and shop your renewal instead.