How it works
Ten minutes on your phone, then a card each
Enrollment happens in the app rather than on this website, for one practical reason: you need to photograph a photo ID for every person on the plan, and a phone camera does that far better than a webcam.
The five steps
You can stop at any point and pick it up later — every step is saved as you go, so a five-person household does not have to be done in one sitting.
Your details
On this siteName, date of birth, and the last four digits of your Social Security number. You are the primary member on the plan.
Where you live
On this siteYour home address decides which plans you can join, so this one is checked rather than just stored.
Your household
On this siteAdd up to 4 more people — spouse, partner, children, a parent. 5 in total, and the price does not move.
One photo ID each
On this sitePhotograph a licence, state ID, passport or birth certificate for every person. Files are encrypted on upload and only a trained reviewer can open one.
Read it, then agree
On this siteCheck every detail, then accept each agreement separately — including the acknowledgement that this plan is not insurance.
Pay on a secure page
On a secure pageYou are handed to a secure checkout page to set up your $79 monthly payment. Card details are entered there, never on PARZERO's own servers.
Your card arrives
AutomaticOnce the first payment clears, one card is issued for the household with every name on it. Sign in to the app to show it, save it, or ask for a telehealth visit.
Where the money goes
Payment happens outside the app
The app hands you to a secure checkout page. That is a deliberate design, not a limitation.
Card details never touch PARZERO
You enter them on the payment processor’s own hosted page. They are never sent to, stored on, or logged by any PARZERO system.
One place to change it
Updating a card or cancelling happens through the same processor, reachable from Billing in the app. There is no second copy of your payment details to keep in step.
Nothing is sold in the app
The app is free and always will be. It shows your cards and your status; the $79 is arranged on the web.
Your documents
What happens to the IDs you upload
This is the most sensitive thing the plan asks you for, so here is exactly how it is handled.
Encrypted before it is stored
The file is encrypted at rest with a key held separately from the data. Nobody browsing storage can read it.
No public link, ever
There is no URL that returns your document. A reviewer requests access and gets a link that stops working after about a minute.
Every viewing is recorded
Who opened it, which document, when, and from where. The record is written before the link is issued, and it cannot be edited or deleted afterwards.
Only reviewers, not all staff
Seeing a government ID is a separate permission from general administration. Most people who work on PARZERO cannot open one at all.
The full detail is in the privacy policy.
At the counter
Then the card does its job
Showing it is the easy part. What makes it worth carrying is that a provider can check it in a second and get a straight answer.
What the provider sees
That is the whole response. Plan, status, and a first name with a last initial — no date of birth, no address, no document data.
The scan checks now, not then
The QR code does not carry your status inside it. It points at a live lookup, so the answer is whatever is true at the moment someone scans it.
A lapsed card reads as inactive
The image on the phone still looks the same after a plan ends. The scan does not — which is the point.
It shows almost nothing
Plan name, active or inactive, and everyone covered as a first name with a last initial. It lists them all because one card covers the household. No surname, no date of birth, no address, no document data — there is nothing on the other end of that scan worth stealing.
Ready to start