Surest is a UnitedHealthcare employer-sponsored health plan that strips out deductibles and coinsurance and instead shows members clear, upfront prices for care before they book it. Founded in 2016 as Bind in Minneapolis, the plan lets people compare providers and treatment options by cost and quality through an app, then pay a single known copay. Rebranded from Bind to Surest in 2022 after UnitedHealthcare took majority ownership, it has grown into the fastest-growing plan in UnitedHealthcare's book, serving close to one million members across employers from family businesses to the Fortune 100.
Zorro is an AI-powered ICHRA platform that swaps rigid group health plans for a defined-contribution model - think 401(k), but for health insurance. Employers set a budget, employees get a personal allowance, and Zorro's decision-support engine helps each person pick an individual plan that actually fits their doctors, medications, and wallet. The platform serves employers, employees, and the brokers who sell to them, and clients have averaged over 20% premium savings versus traditional group coverage.