# ZERO 2026 Oklahoma Impact Report: A Decade of Momentum in Our Birthplace

ZERO Updates & Reports

[ZERO 2026 Oklahoma Impact Report](https://zero.health/wp-content/uploads/2026/03/ZERO-2026-Oklahoma-Impact-Report.pdf) [Download](https://zero.health/wp-content/uploads/2026/03/ZERO-2026-Oklahoma-Impact-Report.pdf)

- **$76M** Cumulative Savings for 76 OK-based Companies
- **$39M** Costs Eliminated for Oklahoma Families
- **$118.3M** Total Claims Paid to Local Providers

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.

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## Engagement as the Engine

Savings is often trapped behind complexity and member avoidance. ZERO doesn’t just offer a card—we provide the proactive engagement engine that triggers actual utilization.

### Over the Last Decade

This engine has successfully navigated members through **half a million services** over the last decade and what **fuels the $76M** and counting in total employer savings.

ZERO drives both financial and emotional wins for members. Putting money back into bank accounts and having a benefit that members actually trust and enjoy using.

**$2,600** **Total Average Savings per Family in Eliminated Out-of-Pocket Costs**

**96 Member NPS Score**

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## **Deep Industry Roots in Oklahoma**

**62 Active Employers across 14 different industries,** with the largest concentration in Higher Education (15 colleges & universities); Manufacturing (10), Non-profits (9) and Local Municipalities (4)

- **$25M** Savings for Higher Education
- **$15.7M** Savings for Manufacturing
- **$13M** Savings for Non-Profits
- **$7.3M** Savings for Local Municipalities

- **56%** OK Employers Have Trusted ZERO for 5+ Years
- **26%** OK Employers Have Trusted ZERO for 8+ Years
- **98%** Member Retention

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## **Just a Few of Our Oklahoma Partners**

- Webco Industries
- Bama Companies
- Paycom
- University of Central Oklahoma
- City of Broken Arrow

**ZERO isn’t just a niche benefit**– it’s a comprehensive healthcare ecosystem that **supports Oklahomans members** from routine labs to complex surgeries.

- **The Diagnostics Foundation**: $19M Savings for Lab Services & Imaging Procedures
- **Recovery and Wellness:** $4.5M Savings for Physical, Speech, and Occupational Therapy
- **Surgical Excellence:** $42M Savings for Surgical Procedures & Orthopedic Interventions
- **Specialized Support:** $10M Savings for Sleep Medicine, Pain Mgmt., Gastro & more

## **Some of the Elite Network of ZERO Providers in the State**

- Oklahoma Heart Hospital
- Oklahoma Surgical Hospital
- McBride Orthopedic Hospital
- Surgery Center of Oklahoma
- Tulsa Bone & Joint