Curative operates a health insurance platform that provides employee coverage with no copays, deductibles, or out-of-pocket costs. Based in Austin, Texas, the company differentiates itself in the competitive employer benefits market by eliminating traditional cost-sharing mechanisms that create financial barriers to healthcare access. This zero-cost structure positions Curative as an attractive option for employers seeking comprehensive coverage while potentially reducing administrative complexity and employee healthcare expenses. The company's model addresses growing employer concerns about rising healthcare costs and employee satisfaction with benefits packages, focusing on simplifying the insurance experience for both employers and their workforce.