ZERO 2026 Colorado Impact Report: Strengthening the Centennial State

• $17M Cumulative Savings for 65 CO-based Companies
• $9M Costs Eliminated for Colorado Families
• $28.5M Total Claims Paid to Local Providers
• 35K Members in CO. A 15x increase since 2018

How ZERO Drives Lower Healthcare Costs in Colorado

ZERO is the ‘fast-lane’ to lower-cost healthcare for everything from routine labs to major surgeries. By removing the ‘sludge’ of high-overhead systems, we partner directly with providers who are specifically focused on lowering the cost of care through transparent pricing, high-quality clinical outcomes, and an exceptional patient experience. Because these direct-contracted rates are on average 35% lower than traditional PPO rates, employers can afford to cover 100% of the bill—transforming a broken cycle of systemic waste into a streamlined $0 experience for most scheduled care.

World-Class
Member Experience

With a Member NPS of 93 in  Colorado, members don’t just use ZERO—they advocate for it.   

“I wanted to share how impressed I was with the ZERO benefit.  It truly was zero out of pocket, and the process was incredibly easy from scheduling through my appointment.  This benefit makes me feel genuinely supported by my employer. Thank you for offering such a valuable service.” 

— Diana, member of local Colorado municipality

Deep Colorado Roots

65 Active Employers who have members in Colorado,acrossK-12 education, local governments, public sector, and construction & service providers. 

• $9.5M Savings for K-12 School Districts
• $4M Savings for Local Governments
• 64% Colorado Members Work in Public Sector

Just a Few of Our Colorado Partners

• American Furniture Warehouse
• Jeffco Public Schools
• St. Vrain Valley Schools
• Boulder County
• City of Littleton
• City of Colorado Springs
• City and County of Broomfield
• City of Brighton

Specialty Coverage: A Comprehensive Colorado Ecosystem

ZERO is more than a niche benefit; it is a full-scale healthcare infrastructure that has delivered over 225,000 services across the Centennial State. ZERO intentionally builds a Deep-Care Ecosystem that includes independent providers who are willing to lead the way in price transparency. This allows us to offer a $0 benefit that major systems simply cannot match. 

Some of the Colorado Surgical and Orthopedic practices supporting ZERO 

• Nadora Healthcare
• Boulder Centre for Orthopedics & Spine
• Orthopedic Centers of Colorado
• Smith Medical
• SurgOne