Curative Launches Zero First Health Plan to Replace Traditional Deductibles
Curative has announced the launch of 'Zero First,' a new health insurance model designed to invert the traditional deductible structure. Unlike standard plans that require high out-of-pocket spending before coverage begins, Zero First provides full coverage for eligible care up to a predetermined amount. Essential services—including primary care, telehealth, urgent care, and preventive services—remain at $0 cost to members throughout the year. The plan aims to increase healthcare accessibility by removing financial barriers to routine care while offering employers more flexible ways to manage rising benefit costs. Once the initial coverage limit is reached, members transition to a predictable percentage-based cost-sharing model, protected by an annual out-of-pocket maximum.
Topics: employer benefits health insurance healthcare innovation product launch