What’s ZERO?

& the vision behind the change.

Healthcare shouldn’t happen to you. Healthcare should happen FOR you.

Healthcare is rapidly shifting from

Volume to Value.

Timeline to Member-First Economy

Everyone expects and demands an

Entirely New Experience.

10X Delight

A world of smartphones and ride shares has conditioned us to expect half the cost and 10X the delight


Today’s plan members demand and deserve a health plan that is easy to understand and even easier to use


Plan members are tired of getting less for more and frustrated with an underperforming system


Plan members expect a transparent marketplace where quality and cost are easy to determine

Companies who understand this will quickly become

The Heroes in Healthcare.

  • Modern Communication

    Members expect to be able to email and chat live with support teams

  • Radical Simplicity

    Members need an easy and simple way to access the care they need

  • Personalized Services

    Members anticipate a platform custom-tailored to their unique needs

  • Amazing Experience

    Members demand a world-class experience each and every time

  • Instant Solutions

    Members want a solution they can access right when they need it, wherever they are


That is why we are here.



Finally, a unified solution for the member-first economy. Great things happen when we put members first.

That’s the ZERO way.

Today’s plan members demand and deserve a health plan that is easy to understand and even easier to use.

Members expect a platform that’s custom-tailored to their unique needs. A world of smartphones and ride shares has conditioned us to expect ZERO cost and 10X the delight.

See Why Members Love Us See Why Employers Adore Us See Why Providers Prefer Us
Father with his child

We embody a new way of thinking

Where Everybody Wins.

  • Members Win.

    With the help of their own Personal Health Assistant, members are supported and informed when making healthcare decisions. They can now choose to access high-quality providers for $0 and get the care they deserve without breaking the bank.

    See Why Members Love Us
  • Employers Win.

    Employers save lots of money compared to the costs of those old legacy “one-size-fits-all” plans while simultaneously hooking employees and their families up with a benefit they love and benefits they can trust.

    See Why Employers Adore Us
  • Providers Win.

    Providers get access to a whole new marketplace of patients, they get paid in full so they don’t have to chase down all those deductibles and coinsurance amounts and they can now focus on healthcare and get out of the collections business.

    See Why Providers Prefer Us

We use technology, data and plan design to

help accelerate the shift to a Member-First economy.

We help you optimize plan spend and make smarter decisions across 44 unique clinical categories and over 2,000 specific services and procedures.

  • Orthopedic Surgery

  • Lab-Pathology

  • Gastroenterology

  • Adv. Imaging - MRI

  • Adv. Imaging - CT

We’ve built ZERO as the unified solution

for the Member-First Economy.

  • Direct

  • Concierge

  • Actionable

  • Quality

  • Transparent

  • Seamless

  • Customer

  • No-Risk

We’re in the midst of some serious shift right now.

Learn how we are accelerating the shift to the member-first economy by delivering the best combination of cost, quality and convenience.