Zero Health

ZERO Health is a Tulsa, Oklahoma-based healthcare company that provides employers with a bundled-payment health benefits program that delivers zero out-of-pocket costs to plan members. Founded in 2015, ZERO operates a marketplace connecting self-funded employers with healthcare providers who offer procedures — including labs, imaging, colonoscopies, hernia repair, orthopedic surgery, and physical therapy — at transparent, pre-negotiated prices well below standard allowed amounts. Employers pay a simple transaction fee with no setup costs, no per-employee-per-month charges, and no hidden fees, while achieving average overall savings of 44% on healthcare spend. Members receive a Personal Health Assistant reachable by phone, chat, or email to help navigate care and find providers. The company reports a 94 NPS score from plan members.