EMPLOYERS

A Modern Way to Control Benefit Costs Without Cutting Coverage

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Most employers with 25+ employees become net-positive through payroll tax savings
while giving employees access to valuable supplemental care.

Zoop Benefits uses a compliant Section 125 strategy that helps employers lower payroll tax liability while providing employees meaningful supplemental coverage.

The Employer Challenge

Healthcare costs keep climbing, and leaders are forced to choose between:

  • Cutting benefits (and hurting retention), or

  • Absorbing higher premiums (and reducing profitability

Zoop removes the tradeoff.

Premiums keep rising. Budgets don’t. And leaders are forced into a painful choice:

Add benefits

Reduce financial pressure

Strengthen retention

Improve employee wellbeing

Without increasing your budget

Improve employee wellbeing

What Employers Actually Care About

  • Cost Control

    Premiums rise every year. Zoop offsets pressure with measurable tax savings and reduced utilization

  • Recruitment & Retention

    Employees gain meaningful supplemental benefits that feel like major upgrades — at no extra employer cost.

  • Predictability

    More up-front and preventive access reduces downstream medical utilization.

  • Employee Satisfaction

    Employees receive high-frequency benefits they understand and use.

Employer Financial Impact

  • Average Program Cost:

    ~$65 PEPM (varies by vendor)

  • Payroll Tax Savings:

    Most employers become net-positive through tax advantages created by the compliant Section 125 structure.

  • Insurance Performance:

     Organizations typically see reduced utilization on their existing health plan, creating longer-term premium stabilization.

  • Case Study Example

    Company Size: 200 employees
    Annual Employer Tax Savings: $66,138
    Health Plan Utilization Reduction: 30%
    Additional Notes: Improved employee satisfaction and lower downstream claims activity

What Employees Receive

Employees gain access to:

  • 24/7 virtual primary & urgent care

  • Labs through Quest Diagnostics

  • Prescription access + discounts

  • Mental health counseling

  • Health concierge & navigation

  • Guaranteed-issue whole life insurance

  • Portable coverage with cash value usable for retirement supplementation

Many common services come with no out-of-pocket cost.
This makes the program easy to use and highly valued by employees.

Most employers end up net positive financially, while employees gain more care access at lower cost.

See if Your Company Qualifies

Confirm eligibility.

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