Zero

What Zero does

Zero, operating as ZERO Health and legally known as The Zero Card, Inc., is a healthcare technology company founded in 2016 and headquartered in Tulsa, Oklahoma with a technology and engineering office in Denver, Colorado. The company operates a bundled-payment marketplace that connects self-funded employers with a contracted network of healthcare providers spanning 40+ clinical categories and 3,000+ services and procedures, including orthopedic surgery, imaging, physical therapy, gastroenterology, and laboratory services. Its platform is composed of three integrated components: the myZERO member portal (my.zero.health) where plan members access a digital ID card, manage benefits, and contact a Personal Health Assistant; the goZERO provider portal (go.zero.health) where contracted providers receive patient referrals, submit claims, and track payments; and the underlying claims processing pipeline that routes submissions through Smart Data Solutions (Payer ID 75296) as its clearinghouse.

The company's commercial model is a transaction-fee structure billed to self-funded employers on a pay-as-you-go basis, with no setup fees, no per-employee-per-month (PEPM) charges, and no hidden costs. Plan members receive all covered services at $0 out-of-pocket with no copays, deductibles, or coinsurance, while providers are paid in 10-30 days at contracted bundled case rates with no prior authorization and no member collections. The go-to-market combines direct enterprise field sales targeting self-funded employers with a channel program for benefits consultants and advisors, supported by content marketing (Self-Funded CEO Blog, 360° of Healthcare podcast) and a Client Success team for post-sale adoption.

Disclosed customers span trucking/logistics (Miller Truck Lines), municipal government (City of Broken Arrow), and manufacturing (Muncie Power Products, Power Solutions International), while provider partners include specialty groups such as Tulsa Bone & Joint, Rockford Ambulatory Surgery Center, and Premier Orthopedic Specialists of Tulsa. The company advertises 44% average employer savings versus legacy pricing (up to 50%), a 94 Net Promoter Score, and maintains HIPAA-compliant operations with three registered trademarks (ZERO Card, goZERO, myZERO).

Name

Zero

Legal name

The Zero Card, Inc.

Website

https://zero.health

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

11–50 employees

Short description

Zero (The Zero Card, Inc.) operates a bundled-payment healthcare marketplace that connects self-funded employers with a contracted provider network across 40+ clinical categories, offering members $0 out-of-pocket care funded by employer transaction fees. Founded in 2016, headquartered in Tulsa with a Denver engineering office.

Ownership category

akta.pro rank

Product category

Healthcare Benefits Administration

NAICS

Health and Welfare Funds (525120)

SIC

Hospital & Medical Service Plans (6324)

akta.pro primary industry

Self-Funded (ERISA) Employer Plans (HLAEAAAC)

akta.pro secondary industry

Healthcare Payouts (Payers-to-Providers, Patient Refunds) (FSAMAKAK)

Keywords

• Bundled payment healthcare
• Self-funded employer benefits
• Healthcare cost containment
• Provider network marketplace
• Healthcare benefits administration

Headquarters

HQ city

Tulsa

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Transaction Fees from Self-Funded Employers: ZERO charges employers a transparent transaction fee every time a payment is processed for employee care. This is the primary revenue stream. There are no setup costs, no per-employee-per-month (PEPM) fees, and no hidden charges. The transaction fee model means employers only pay when care is actually delivered, aligned with utilization.
2. Bundled Payment Administration: ZERO administers bundled payments to healthcare providers on behalf of self-funded employers, taking a transaction fee for processing and managing the financial arrangements between employers and the provider network.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels6 records

Core offering

ZERO operates a bundled-payment healthcare marketplace that connects self-funded employers with contracted providers across 40+ clinical categories and 3,000+ procedures. Plan members access care through the ZERO Card at $0 out-of-pocket, supported by Personal Health Assistants who help them find providers, schedule appointments, and navigate care. Employers pay a transparent per-transaction fee per care event, achieving average savings of 44% (up to 50%) versus legacy pricing.

Product overview

ZERO is a healthcare benefits company operating as a unified, member-first platform that combines a healthcare benefit card (ZERO Card), a provider network marketplace, and personalized care coordination services. The core offering consists of the ZERO Card for members to access care at $0 cost, the myZERO member portal for digital ID and benefit management, the goZERO provider portal for claims and referral management, and Personal Health Assistants who provide concierge-level support. The bundled-payment marketplace connects self-funded employers with contracted providers across 40+ clinical categories, delivering savings averaging 44% while eliminating out-of-pocket costs for plan members.

Differentiator

Problem solved

Functional benefit

Products and services

• ZERO Card

Quantifiable outcome

• 44% average employer savings on medical costs (up to 50%)
• +4 more outcomes

Named customers7 records

Segments4 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

AI capability1 record

Feature5 records

Partnerships

Two partnerships are on record, tiered core.

• Quest DiagnosticscoreTechnology or IntegrationZERO partners with Quest Diagnostics for laboratory services. Members use their ZERO Card at Quest facilities for lab work (blood tests, etc.) at no cost. Members show their digital member ID from my.zero.health or physical Quest lab card. Quest sends results back to the prescribing doctor. This is a core network partnership enabling zero-cost lab access for members.
• Smart Data SolutionscoreTechnology or IntegrationZERO uses Smart Data Solutions as its claims clearinghouse. The Payer ID is 75296. Providers submit 837 claims through this clearinghouse. This is a critical technology integration enabling electronic claims processing for ZERO's bundled payment model.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Carrum Health: Carrum Health operates a bundled-payment marketplace that connects self-funded employers with curated, high-quality surgical and procedural care at predictable prices. It is one of the closest direct competitors to ZERO's bundled-payment model for self-funded employer plans.
• Lantern: Lantern (formerly Edison Healthcare) offers a bundled surgical care marketplace for self-funded employers, providing pre-negotiated rates on procedures like joint replacement and cardiac care. It competes head-to-head with ZERO in the same employer channel and bundled-payment architecture.
• Surgery Plus (Included Health): Surgery Plus, now part of Included Health, is a bundled surgical benefit platform sold to self-funded employers with $0 out-of-pocket member experience. It overlaps directly with ZERO's value proposition for elective and high-cost procedures.
• Centivo: Centivo is a health plan purpose-built for self-funded employers that combines a curated provider network with transparent pricing and a $0 member out-of-pocket option. It competes with ZERO for the same self-funded employer buyer.

Emerging players

• Transcarent: Transcarent offers self-funded employers a unified healthcare experience platform that includes bundled surgical care, navigation, and pharmacy benefits. It overlaps with ZERO on the surgical bundling and member navigation value props but operates as a broader platform play.
• Accolade: Accolade provides personalized healthcare advocacy and navigation for employers and health plans. While not a bundled-payment marketplace, it competes with ZERO's Personal Health Assistant value proposition for employer benefit dollars.
• Rightway: Rightway delivers healthcare navigation and a member-first experience platform to self-funded employers. It overlaps with ZERO's concierge/Personal Health Assistant model and competes for the same employer benefit budget.
• Marathon Health: Marathon Health provides direct primary care and on-site/near-site health centers for self-funded employers. It addresses similar employer cost-control pain points but through primary care rather than bundled procedural payments.
• Hinge Health: Hinge Health offers digital musculoskeletal care and bundled physical therapy programs to employers and health plans. It is relevant as a potential provider partner or adjacent competitor within the orthopedic/PT categories ZERO covers.

Broad incumbents

• Surest (UnitedHealth Group): Surest, a UnitedHealth Group company, offers a data-driven health plan for employers with transparent pricing and $0 copays for many services. It competes with ZERO in the self-funded employer segment with the backing of a major carrier's network and capital base.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/zero_card
• Facebookfacebook.com/thezerocard
• LinkedInlinkedin.com/company/zero-health

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

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 Zero