Zemma
Our story
02 Up nextRenewals are broken
The Zemma difference

Insurance was invented for risk.
Not cleanings.

Traditional benefits run your dental cleaning, massage receipt, and glasses claim through the same expensive machine as a medical emergency. That’s backwards.

One simple idea Insure the scary stuff. Fund the everyday stuff directly.
Traditional plans Wrap routine care in insurance

And lose a painful amount of money on the way.

Insurance machine processing routine healthcare
Zemma Uses the right tool for the right job

Risk gets insured. Routine care gets funded.

What matters More of the employer’s spend reaches people

Which is kind of the whole fucking point.

The old model

Everything gets shoved through insurance.

Dental, vision, physio, massage, prescriptions, therapy. These are usually predictable, recurring, personal expenses — not true insurance risk.

Low-cost routine cleanings and exams
Known spend that most people can forecast
High leakage to brokers, carriers, admin
Rigid rules around what gets covered
The better model

Separate risk from spending.

Zemma splits health benefits into two clean buckets: use insurance for catastrophic, unpredictable events — and let routine care be funded directly with employer dollars.

Insurance bucket travel, catastrophic, serious low-frequency events
Funding bucket dental, vision, physio, prescriptions, therapy
Less waste fewer middlemen skimming value
More control employees decide where the money goes

Traditional plan

30¢
of every dollar can disappear into carrier economics, commissions, and admin overhead.
→

Zemma

97¢
of every contribution dollar can stay pointed at actual healthcare instead of getting chewed up by the system.
See it with your numbers

Drag the slider to set the employer contribution. See exactly how many dollars reach actual healthcare in each model.

Annual employer contribution per person $5,000
$1,000$15,000
Traditional plan
Reaches healthcare
$3,500
out of $5,000
Lost to overhead
$1,500
brokers · carriers · admin
→
Zemma
Reaches healthcare
$4,850
out of $5,000
Extra healthcare dollars
+$1,350
per person, per year

Traditional model assumes ~30% overhead leakage. Zemma assumes ~3% platform fee.

Two buckets for insurance and direct funding
🛡️ insure the scary stuff
💳 fund the everyday stuff
🌿 fewer leaks, more care
Right tool for the right job

Two buckets. Cleaner logic. Better outcomes.

You don’t insure your groceries. You budget for them. Routine health care behaves much more like groceries than like a house fire. So treat it like spending, not catastrophe.

Belongs in insuranceTravel emergencies, catastrophic events, major unexpected medical risk.
Belongs in direct fundingDental, vision, mental health, prescriptions, paramedical, everyday care.
Traditional plansForce routine claims through an expensive claims machine.
ZemmaLets employer dollars go where people actually need them.
What should be insured

The rare stuff that could really hurt you.

Insurance shines when the event is expensive, unpredictable, and difficult for one person to absorb alone.

Emergency travel Something goes wrong far from home.
Catastrophic medical Serious low-frequency, high-cost events.
Major shock costs The kind that justify pooling risk.
True downside protection Not routine household budgeting.
What should be funded directly

The stuff people actually use all year.

If it’s predictable, personal, and likely to happen, it usually makes more sense to fund it directly than to insure it inefficiently.

Dental Cleanings, fillings, checkups.
Vision Glasses, contacts, exams.
Paramedical Physio, massage, chiro, therapy.
Prescriptions Routine medications and recurring care.
What employees feel

More of the health plan actually feels useful.

That’s the magic. Not theoretical efficiency. Not actuarial beauty. Just more of the employer’s spend turning into real care, real reimbursement, and real choice.

More flexibilityEmployees aren’t boxed into tiny category limits and weird exclusions.
More transparencyPeople can understand where the money goes without a PhD in benefits.
More dignityIt feels like money for care, not a maze designed to say no.
More valueThe same employer spend covers more real healthcare costs.
Protective insurance shield with direct healthcare wallet
✈️ travel
🏥 catastrophic
💸 direct health spending

Traditional benefits run your dental cleaning through the same system as open-heart surgery. Zemma doesn’t.

Insure what should be insured. Fund the rest directly.
Start free → Back to main page Next: renewals are broken → See the Trust structure