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Ziva Health›Solutions›Self-insured employers
For self-insured employers

A small share of your people drives
most of your claims.

Roughly 1 in 20 covered employees typically account for about half of total plan spend. Ziva flags rising-risk patterns in employees with chronic conditions before they become that next high-cost claim.

◎
Identify risk earlier
Isabella detects changes weeks before a costly event.
◈
Engage at the right time
Care teams reach out with personalized support.
◐
Reduce high-cost claims
Earlier intervention leads to healthier outcomes.
▤
Prove impact
Actionable reporting that improves program ROI.
Book a demo How Ziva helps →

🔒 HIPAA compliant · Works alongside your TPA or health plan · Self-funded plans of any size · No individual data shared with the employer

Program Overview
📅 This quarter
⚑
14
Rising-risk flags
↑ 27% vs last quarter
✓
92%
Outreach completed
↑ 8% vs last quarter
◎
1,240
Enrolled employees
Across 6 cohorts
$
$2.4M
Potential claims impact
Est. avoidable, illustrative
Top conditions driving risk
14
Total
Hypertension · 5 (36%)
Prediabetes · 3 (21%)
Depression · 2 (14%)
Musculoskeletal · 2 (14%)
Sleep issues · 1 (7%)
Other · 1 (7%)
✦ Isabella Insight
14 employees showed a rising-risk pattern this quarter. Addressing these cases early could help prevent an estimated $2.4M in avoidable claims.
Rising-risk employees
View all (14)
A
Angela · Hypertension
BP ↑ 9 days
High Risk
M
Marcus · Diabetes
Glucose ↑, adherence ↓
Moderate
P
Priya · Depression
Sleep ↓, engagement ↓
Moderate
T
Tom · Back pain
Activity improving
Low Risk
D
Denise · Cardiometabolic
Weight & glucose stabilizing
Low Risk
Turning insights into
healthier outcomes
⚑Detect risk early
›
◈Outreach & engage
›
♡Intervene & support
›
$Reduce claims & improve health
The gap

Your claims data tells you
who already got expensive.

A small number of employees drive a disproportionate share of every self-funded plan's cost - and by the time claims data shows it, the event has already happened. Chronic disease also quietly erodes productivity long before it shows up as a claim at all.

A small group drives most of the cost
Roughly 5% of covered employees typically account for about half of total plan spend, and 90% of self-funded employers report being meaningfully impacted by high-cost claims in the last four years.
Claims data arrives after the fact
By the time a claim posts, the hospitalization or ER visit already happened. There's no view into who's trending toward becoming next quarter's high-cost claimant.
Presenteeism costs more than it looks like
Employees managing chronic conditions often don't take sick days - they show up and underperform. Poor health costs US employers an estimated $575 billion a year in lost productivity, most of it invisible in any HR dashboard.
Ziva's role

The layer between your
wellness program and a claim.

Ziva doesn't replace your EAP, wellness vendor or disease management program. It gives them something none of them have on their own: continuous, real-time signal from employees actively managing a chronic condition.

01
Signal, automatically
BP, weight, glucose, activity, sleep and mood check-ins stream in daily from enrolled employees - no wellness-app fluency required.
02
Isabella interprets
Each employee is read against their own baseline, not a population average, and correlated across data types.
03
Coaching in the moment
Education and nudges reach the employee the week something drifts - not at their next annual biometric screening.
04
Care team notified
Your program's clinical partner - care manager, health coach or nurse line - gets a ranked, evidence-backed alert to act on.

You never see individual employee health data. You see what matters to a benefits leader: enrollment, engagement, and whether the program is catching rising risk before it becomes a claim.

How Ziva helps

What Ziva does for
a self-funded plan.

Ziva is not another point solution employees have to discover on their own. It runs quietly alongside your existing benefits stack and surfaces only what a clinician needs to see.

Prevention
Catch the next high-cost claimant early
Employees trending toward a cardiometabolic, respiratory or mental-health crisis are flagged while the fix is still cheap.
Productivity
Address presenteeism, not just absenteeism
Sleep, mood and symptom trends that predict underperformance are visible weeks before a sick day is ever taken.
Engagement
Daily contact, not annual screenings
A once-a-year biometric screening misses everything that happens the other 364 days. Ziva doesn't.
Integration
Works with what you already have
Feeds your existing TPA, health plan, EAP or point-solution care management program rather than replacing any of them.
Privacy
Aggregate reporting, individual privacy
You see program-level engagement and outcomes. No individual health data reaches the employer.
Adoption
Built for people who don't use apps
Conversational check-ins and cellular devices - no app fluency, no separate login employees have to remember.
Impact

What moves for a
self-funded plan.

Not another wellness perk. Employers buy fewer new high-cost claimants, less avoidable absenteeism, and a productivity drag that finally shows up somewhere other than a missed deadline.

Earlier
Rising-risk identification
Chronic-condition drift flagged in days, not at the next annual screening
Fewer
New high-cost claimants
The ~5% of employees who drive roughly half of plan spend is where prevention pays off most
Less
Presenteeism drag
Employees with 3+ chronic conditions miss an average of 7.8 sick days a year, versus 2.2 for those without any
Illustrative
Plan cost trend
Directional modeling available for your specific population - see the estimator below

Directional framing based on published employer-cost research (CDC, Integrated Benefits Institute) and Ziva's platform capabilities; actual results depend on population health mix, enrollment and plan design.

Cost impact

What unmanaged chronic risk
is already costing your plan.

These figures come from published employer-cost research, not a Ziva-specific study - use them to size the opportunity for your own population before modeling your specific numbers with us.

●~5% of covered employees typically drive about half of total plan spend
●90% of self-funded employers report meaningful impact from high-cost claims in the past 4 years
●Poor health costs US employers an estimated $575B and 1.5B lost workdays a year in absenteeism and presenteeism combined (Integrated Benefits Institute)
●Employees with 3+ chronic conditions miss 7.8 sick days/year on average, vs. 2.2 for those without any (IBI)
●Cancer, chronic lung disease, depression, pain and cardiometabolic disease are consistently the top 5 conditions for combined productivity loss and medical cost
Illustrative absenteeism exposure
Covered employees 1,000
100self-funded plan size10,000
Est. employees with 1+ chronic condition (~50%)—
Est. high-cost claimants (~5%)—
Est. annual absenteeism cost (CDC avg. $1,685/employee)—
Estimated annual absenteeism exposure
—
Illustrative, based on published national averages (CDC Foundation). Doesn't include presenteeism, medical claims cost, or your plan's specific risk mix - we'll model that with your own data.
Proof

Continuous contact that
changed the outcome.

Conditions covered

The conditions driving your plan's cost and productivity loss.

Ziva runs condition-specific protocols for the conditions research consistently ties to the highest combined medical cost and productivity loss.

HypertensionDiabetesDepression & anxietyChronic lung diseaseWeight & metabolic healthCardiometabolic riskAll conditions →
Get Started

See it against
your own population.

Share your plan's de-identified chronic-condition prevalence and we'll model enrollment, engagement and expected cost impact for your specific workforce.

✓Chronic-condition prevalence analysis across your covered lives
✓Integration plan with your TPA, health plan or point solutions
✓Enrollment plan for open enrollment or a mid-year pilot
✓Cost-impact modeling tailored to your plan design
Request a 30-minute demo
We'll walk through enrolment, alert configuration, and the revenue model for your practice.
Book my demo →
No commitment. We'll follow up within 1–2 business days.
Security & compliance

Built for healthcare.
Trusted by benefits teams.

Ziva was designed from the ground up for clinical environments - not adapted from a consumer wellness app. Individual employee data is never shared with the employer, and every data flow meets the standards your legal and compliance teams require.

🔒
HIPAA compliant
BAA available. All PHI encrypted in transit and at rest.
🙈
No individual data to the employer
You see aggregate program metrics only - never an individual employee's health data.
🏥
US data residency
All patient data stored and processed within the United States.
📋
Audit-ready logs
Consent records and program-level reporting stored and exportable for plan audits.
Questions

Self-insured employer FAQ