What Zorro does

Zorro (legally MyZorro, Inc.) is a New York-based, Delaware-incorporated insurtech company that operates an AI-native Individual Coverage Health Reimbursement Arrangement (ICHRA) benefits administration platform for the US market. The company was founded in 2023 by Guy Ezekiel (CEO) and Maya Perl (Chief Customer Officer), both previously HealthTech investors at Israeli VC Pitango, and emerged from stealth in March 2023 with an $11.5M seed round co-led by Pitango and 10D; a $20M Series A led by Entrée Capital followed in June 2025, bringing total disclosed funding to $31.5M. Zorro serves three constituencies — insurance brokers, employers (SMB through enterprise), and employees — via three role-based modules sharing a common platform core. Underlying the platform is an AI stack that includes a personalized plan recommendation engine (analyzing age, location, household size, provider preferences, and prescriptions against 50-100+ ACA-qualified plans), a 24/7 NLP chatbot, a generative AI agent, an AI-driven smart budgeting and class-design optimizer, an AI Virtual Compliance Officer, and predictive analytics for HRA/HSA guidance; production metrics show 84% AI-driven self-enrollment across all 50 states plus Washington, D.C. in 2026, up from 75% in 2025.

The business model combines subscription SaaS for ICHRA administration (quote-based pricing, no public tiers) with a per-employee transaction component (single monthly employer payment routed to individual carriers via virtual debit cards or ACH) and bundled professional services including implementation, compliance filings, and an Implementation Specialist. The go-to-market is sales-led and broker-centric: Zorro runs demo-driven enterprise field sales, inside sales with broker enablement content (Broker Sales Playbook, JOLT objection-handling framework, webinars), and channel partnerships including a preferred-vendor relationship with C2 Solutions (announced June 2026) and an inaugural Broker Advisory Board with executives from Lockton, USI, HUB International, and Arthur J. Gallagher. End-employee enrollment is supported through a self-serve plan search portal, AI chatbot, and human Enrollment Experts. The company holds SOC 2 Type II, HIPAA, GDPR, and CCPA compliance designations, hosts on AWS, uses HubSpot for marketing automation, and operates with a 50+ person team distributed across New York, Austin, and Remote US locations with engineering and data processing ties to Israel. Named customers include HairClub (140 employees, 53% premium reduction), an unnamed critical access hospital ($5M annual savings), and an unnamed employer with multilingual Spanish support ($216K annual savings); the company has received CB Insights Insurtech 50 (2025), Calcalist 50 Most Promising Israeli Startups (2025), Modern Healthcare Best Places to Work in Healthcare 2026, and 2026 Silver Stevie Award for Customer Service Department of the Year.

Name

Zorro

Legal name

MyZorro, Inc.

Website

https://myzorro.co

Company type

Private

Founded year

2023

Operating status

Operating

Headcount range

1–10 employees

Short description

Zorro is a New York-based insurtech company offering an AI-powered Individual Coverage Health Reimbursement Arrangement (ICHRA) benefits administration platform that serves US insurance brokers, employers (SMB to enterprise), and employees across all 50 states plus Washington, D.C.

Ownership category

akta.pro rank

Product category

Health Benefits Administration Software

NAICS

Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292), Health and Welfare Funds (525120), Insurance and Employee Benefit Funds (5251)

SIC

Hospital & Medical Service Plans (6324), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Employer Health Reimbursement Arrangements (HRA/ICHRA/QSEHRA) Administration (HLAEAAAG)

akta.pro secondary industries

Flexible Benefits Administration (FSA/HSA/HRA) (HLAEALAK), Self-Funded (ERISA) Employer Plans (HLAEAAAC)

Keywords

• ICHRA administration
• Health benefits platform
• Employer health insurance
• Benefits administration software
• Broker enablement tools

Headquarters

HQ city

New York

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations

Revenue model

1. Broker/Employer Platform Subscription (ICHRA Administration SaaS): Recurring platform fee for Zorro's ICHRA administration platform serving brokers and employers (SMBs through Enterprises). White-glove service and real-time quoting/decision-support tools included; pricing not publicly disclosed (quote-based).
2. Carrier Payment Routing / Per-Employee Transaction Fees: Distribution of employer monthly contributions to individual insurance carriers via virtual debit cards or ACH, implying a transactional component tied to each enrolled employee.
3. Implementation, Onboarding & Compliance Services: Implementation Specialist-led ICHRA setup, plan management, reporting, and ongoing compliance/regulatory filings (e.g., Forms 5500, 1095, 1094, PCORI fees) bundled with the platform subscription.

Pricing tiers

Go-to-market motion4 records

Distribution channels5 records

Marketing channels8 records

Core offering

Zorro offers an end-to-end AI-powered ICHRA (Individual Coverage Health Reimbursement Arrangement) benefits administration platform that lets employers replace rigid one-size-fits-all group health plans with fixed monthly tax-free contributions that employees spend on personalized ACA-qualified individual-market plans. The platform combines AI-driven plan design, smart budgeting, decision support, a Virtual Compliance Officer, a 24/7 chatbot, an interactive quoting/modeling engine for brokers, and a simplified payment solution that distributes a single employer payment to individual carriers via virtual debit cards or ACH.

Product overview

Zorro offers a single unified AI-powered ICHRA administration platform organized around three role-based modules — For Brokers, For Employers, and For Employees — that share a common core. The For Brokers module delivers the Interactive Quoting & Modeling Tool and ongoing book management; the For Employers module provides the ICHRA Savings Calculator, ICHRA Map, and employer administration; and the For Employees module exposes the Plan Search and AI-Powered Decision Support Engine. Underpinning all three modules is the AI-Powered Decision Support Engine, the Zorro AI Chatbot / Conversational Assistant, the AI-Powered Virtual Compliance Officer, and the Simplified Payment Solution, which distributes a single employer payment to carriers via virtual debit cards or ACH. Together these products replace one-size-fits-all group health plans with personalized, budget-predictable ICHRA coverage for brokers, employers, and employees.

Differentiator

Problem solved

Functional benefit

Products and services

• Zorro ICHRA Platform End-to-end AI-powered benefits administration platform purpose-built around ICHRA (Individual Coverage Health Reimbursement Arrangement). Combines smart automation with healthcare expertise to support plan design, AI-driven decision support, virtual compliance, a 24/7 chatbot, an Interactive Quoting and Modeling engine for brokers, and a Simplified Payment Solution that routes one employer payment to individual carriers via virtual debit cards or ACH; serves brokers, employers (SMB through large enterprise), and employees across all 50 US states plus Washington, D.C.

Quantifiable outcome

• 84% of employees enrolled using AI-powered decision support without live assistance in 2026 open enrollment (up from 75% in 2025)
• +4 more outcomes

Named customers2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

AI capability11 records

Feature7 records

Partnerships

14 partnerships are on record, tiered advisory board member, flagship preferred-vendor channel partnership, core infrastructure provider, marketing automation & analytics provider, edge security & bot management provider, analytics & advertising provider and b2b advertising & analytics provider.

• Holmes Murphy & Associates (Drew Engebrecht)advisory board memberGTM or Marketing Partner · 23 June 2026Member of Zorro's inaugural Broker Advisory Board announced June 23, 2026; provides direct marketplace feedback, beta product access, and joint thought leadership to help evolve Zorro's ICHRA platform.
• Lockton Companies (Jackson Lee)advisory board memberGTM or Marketing Partner · 23 June 2026Member of Zorro's inaugural Broker Advisory Board; contributes product feedback and co-develops broker enablement content with Zorro.
• USI Insurance Services (John Gallagher)advisory board memberGTM or Marketing Partner · 23 June 2026Member of Zorro's inaugural Broker Advisory Board providing frontline broker perspective to inform product roadmap and go-to-market.
• HUB International Limited (Michelle Jukoski)advisory board memberGTM or Marketing Partner · 23 June 2026Member of Zorro's inaugural Broker Advisory Board contributing product feedback and joint thought leadership.
• Arthur J. Gallagher & Co. (Sohail Hooda)advisory board memberGTM or Marketing Partner · 23 June 2026Member of Zorro's inaugural Broker Advisory Board contributing frontline broker expertise to product strategy.
• M3 Insurance (Sam McIntyre)advisory board memberGTM or Marketing Partner · 23 June 2026Member of Zorro's inaugural Broker Advisory Board; also a C2 Solutions member firm, providing overlapping broker channel reach.
• Fredriksen Health Insurance LLC (Eric Fredriksen)advisory board memberGTM or Marketing Partner · 23 June 2026Member of Zorro's inaugural Broker Advisory Board contributing marketplace feedback.
• WCK Health Group (Lisa Collins)advisory board memberGTM or Marketing Partner · 23 June 2026Member of Zorro's inaugural Broker Advisory Board contributing broker expertise.
• C2 Solutionsflagship preferred-vendor channel partnershipStrategic or Co-development Partner · 5 June 2026Strategic preferred-vendor ICHRA partnership announced June 5, 2026. Zorro provides C2's member firms and their clients with access to its end-to-end AI-powered ICHRA platform, including interactive quoting/modeling, AI-driven decision support, and a simplified payment solution. C2's member firms include Conner Strong & Buckelew, Cross Insurance, Holmes Murphy, M3 Insurance, Scott Insurance, Sterling Seacrest Pritchard, and The Partners Group.
• Amazon Web Services (AWS)core infrastructure providerTechnology or IntegrationNamed in Zorro's Privacy Policy as a cloud hosting sub-processor used to facilitate Zorro's ICHRA services and platform.
• HubSpotmarketing automation & analytics providerTechnology or IntegrationHubSpot cookies and tracking scripts are deployed across myzorro.co for marketing analytics, session tracking, visitor identity tracking, and form submission tracking; also referenced as the preferred CRM in the Account Executive job description.
• Cloudflareedge security & bot management providerTechnology or IntegrationCloudflare cookies (__cf_bm, _cfuvid) are deployed for Bot Management, performance, and security on myzorro.co.
• Google Analytics & Google Adsanalytics & advertising providerTechnology or IntegrationGoogle Analytics cookies (_ga, _ga_#) and Google Ads cookies (_gcl_au, _gcl_ls) are used for site analytics and cross-context behavioral advertising.
• LinkedIn (Ad Analytics & Insight Tag)b2b advertising & analytics providerTechnology or IntegrationLinkedIn cookies (bcookie, lidc, bscookie, UserMatchHistory, ar_debug) are deployed for B2B marketing analytics, audience targeting, and cross-context behavioral advertising on myzorro.co.

Scale indicators9 records

Recent moves6 records

Expansion highlights6 records

Market position

Competitive moat5 records

Key risks6 records

Key highlights8 records

Customer concentration

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Funding overview

Funding rounds2 records

Investors3 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Zorro