Impact Report 2026: Colorado

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 highoverhead 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.

Strengthening the Centennial State

Cumulative Savings for $17M 65 CO-based Companies

Costs Eliminated for $9MColorado Families

Total Claims Paid to Local Providers

Members in CO. A 15x 35Kincrease since 2018

— Diana, member of local Colorado municipality

"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, across K-12 education, local

governments, public sector, and construction & service providers.

$9.5M $4M

64%

Impact Report 2026: Colorado

Deep Colorado Roots

65 Active Employers who have members in Colorado, across K-12 education, local

governments, public sector, and construction & service providers.

$9.5M $4M

Savings for Savings for Local

Colorado K-12 School Districts Governments Members Work in

Public Sector

Just a Few of Our Colorado Partners

Specialty Coverage: A Comprehensive Some of the Colorado Surgical and

Orthopedic practices supporting ZERO

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.