Zus Health

Zócalo Health is a Latino-founded virtual primary care provider delivering culturally-competent healthcare services to the Latino community. Founded in 2021 by Erik Cardenas and Mariza Hardin, the company addresses the significant healthcare disparities faced by over 62 million Latinos in the United States. With 1 in 3 Latinos uninsured and 50% more likely to experience delays accessing medical care compared to non-Hispanic whites, Zócalo Health was built to eliminate barriers to accessing healthcare services through a model that is by Latinos, for Latinos. The company combines modern technology with cultural traditions to provide comprehensive care including virtual primary and urgent care, behavioral health services, and social support through community health workers known as promotoras de salud. Backed by $5 million in seed funding from healthcare and social impact investors, Zócalo Health now serves patients across California, Texas, Maryland, and Washington. Their care model integrates bilingual providers, mobile health apps for iOS and Android, and community-based engagement to deliver whole-person care that meets patients where they are - virtually, in their homes, and within their neighborhoods.

In 2021, XO Health emerged from a simple but powerful observation: the traditional healthcare system was broken, leaving employers, providers, and members frustrated with opaque costs, fragmented experiences, and misaligned incentives. The founders recognized that self-insured employers needed a modern approach - one that combined trust, transparency, and common sense with cutting-edge technology and data-driven insights. So they built XO Health, a groundbreaking value-based care and benefits platform designed specifically for the self-insured market. Today, XO Health is redefining what a health plan can be. By leveraging real-time data, advanced analytics, and a unified technology platform, they deliver integrated medical and pharmacy solutions that put value-based care at the forefront. Their team of experienced industry leaders has created an ecosystem where employers get predictable costs, providers can focus on patient-centered care without administrative roadblocks, and members receive personalized guidance through their healthcare journey. From their open access value-based provider network to their dedicated care advocacy team, every element of XO Health was designed to restore trust and transform the healthcare experience for everyone involved.

In 2017, AJ Loiacono and Ryan Kelly founded Capital Rx with a singular mission: to transform the broken prescription drug pricing system that was costing patients and plans billions. They recognized early on that the traditional pharmacy benefit manager (PBM) model was riddled with hidden fees, opaque pricing, and misaligned incentives that prioritized profits over patient care. Rather than simply building another layer of technology on top of existing systems, they made the bold decision to become a full-service PBM themselves, developing their own platform from the ground up that would enable unprecedented transparency and efficiency. What began as a focused effort to revolutionize pharmacy benefits quickly evolved into something much larger. As they built their technology platform, they realized that to truly transform healthcare, they needed to address the entire health benefits ecosystem - not just pharmacy. They developed Judi®, an open, secure, and scalable enterprise health platform that could unify claims processing across pharmacy, medical, dental, and vision benefits. This breakthrough platform enabled the launch of Judi Health™, the industry's first Unified Claims Processing™ platform, which eliminates administrative waste and redundancies by bringing all benefits together in one system. In 2025, Capital Rx rebranded to Judi Health to reflect this expansion beyond pharmacy, marking the company's evolution into a full-stack health infrastructure platform that's building the digital foundation needed to make healthcare accessible, affordable, and transparent for all.

In 2019, Nick Reber founded Garner Health with a transformative vision: to fundamentally reshape how the healthcare economy works. After serving on the leadership team at Oscar Health where he focused on analytics and data strategy, Reber recognized a critical gap in how healthcare quality was measured and how patients accessed care. The healthcare system was broken - incentives were misaligned, employers were overspending for poor outcomes, and patients struggled to identify truly high-quality doctors. Garner Health emerged from this insight as a data-driven solution to connect people with better care while reducing costs. Today, Garner has built the largest medical claims database in the United States, encompassing over 60 billion medical records from 320 million patients. This unprecedented data asset powers sophisticated analytics that identify which doctors diagnose more accurately and deliver superior patient outcomes. The company partners with more than 700 organizations - from mid-market employers to Fortune 50 companies - offering a platform that guides employees to top-quality providers and reimburses out-of-pocket medical costs when they choose high-performing doctors. By aligning financial incentives with quality outcomes, Garner creates a system where physicians thrive by practicing excellent medicine rather than performing excessive procedures, patients achieve better health, and employers spend healthcare dollars more effectively.

As a "recovering radiologist" from Mayo Clinic and Harvard, Dr. Jeremy Friese experienced the struggles of prior authorization firsthand. After learning that payers also despised the cumbersome, costly process, he set out on a mission to bring providers and payers together to automate the problem so patients can get the care they deserve while reducing the costs and waste that plague our healthcare system. Six years ago, the team began building an artificial intelligence solution to solve prior authorization for all medical specialties. After a couple acquisitions and tens of millions of dollars invested in the technology, Dr. Friese returned with Humata Health and an amazing team. While they have helped millions of patients, the time is now to deliver truly "frictionless prior authorization" at scale so every patient gets the care they deserve and the process becomes touchless. As a physician-led company, Humata is solely focused on solving the complexities of prior authorization by seamlessly connecting payers and providers, leveraging deep clinical expertise and advanced AI to streamline approvals, reduce administrative burden, and ensure patients receive timely care.

At Highmark Health, we believe in the power of collaboration to transform healthcare from a fragmented system into a unified, compassionate experience. Our team of more than 35,000 people works together across eight companies to create remarkable health experiences that free people to be their best. We operate as a blended health organization, meaning our teams don't work in silos - they collaborate across health insurance, hospital systems, dental care, vision services, and technology solutions to provide seamless, coordinated care for our members and patients. We're deeply rooted in our communities, with a legacy of compassionate care that spans more than 175 years. This tradition of giving back isn't just a policy - it's woven into our daily culture. Our team members thrive in an environment that values purpose-driven work, continuous innovation, and meaningful community impact. We challenge the status quo at every touchpoint, embracing breakthrough ideas and new visionaries who champion change in the American healthcare system. Together, we're building something stronger than the sum of our parts - a healthcare experience that genuinely cares for people.