A practical savings strategy for self-insured employers.

ZeroPayHealth is designed for employers that want to reduce high-cost domestic claims without forcing employees into higher deductibles or weaker benefits.

Model savings Review compliance

Modeled reduction

30%

Employee cost

Verification base

Figures are illustrative and require plan-specific, case-specific, and legal review before use.

Savings levers

The model works when finance, benefits, and employee experience move together.

High-cost surgery routing

Identify planned procedures where domestic pricing creates the largest avoidable claim exposure.

Employee trust design

Offer $0 out-of-pocket participation so the benefit feels additive rather than like a benefit cut.

Audit-ready settlement

Keep savings evidence, claim packets, and financing clearance inside a documented workflow.

Governance checklist before launch

ERISA and plan review

Implementation should be reviewed against the employer's plan design and benefits governance.

PHI minimization

Employer dashboards should show eligibility, milestone, and savings evidence without unnecessary clinical detail.

California verification

Identity, consent, and contract checks create a local accountability layer before routing.

Travel risk controls

Case approval should consider travel suitability, complication coverage, and follow-up coordination.