# 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 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.

### Strengthening the Centennial State

- **Cumulative Savings for CO-based Companies:** $17M
- **Costs Eliminated for Colorado Families:** $9M
- **Total Claims Paid to Local Providers:** Members in CO. A 15x increase 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

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## Deep Colorado Roots

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

### Savings for Local K-12 School Districts: $9.5M  
### Savings for Local Governments: $4M

#### 64% Members Work in Public Sector

### Just a Few of Our Colorado Partners

### 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.