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    <loc>https://help.myzorro.co/en/articles/9924686-mid-year-ichra-start</loc>
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    <lastmod>2025-08-19T17:17:03Z</lastmod>
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    <loc>https://help.myzorro.co/en/articles/9924743-ichra-notice-90-day-notice</loc>
    <lastmod>2024-10-14T09:44:36Z</lastmod>
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    <loc>https://help.myzorro.co/en/articles/9924747-plan-document-summary-plan-description-spd</loc>
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    <loc>https://help.myzorro.co/en/articles/9924751-5500</loc>
    <lastmod>2024-10-14T09:58:33Z</lastmod>
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  <url>
    <loc>https://help.myzorro.co/en/articles/9924753-patient-centered-outcomes-research-institute-pcori</loc>
    <lastmod>2025-06-13T21:43:41Z</lastmod>
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    <loc>https://help.myzorro.co/en/articles/9924760-the-zorro-partners-hub</loc>
    <lastmod>2024-11-12T10:18:02Z</lastmod>
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    <loc>https://help.myzorro.co/en/articles/9924762-employee-payments-for-zorro-partners-services</loc>
    <lastmod>2024-10-14T10:09:39Z</lastmod>
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    <loc>https://help.myzorro.co/en/articles/9924764-employer-renewal-process-overview</loc>
    <lastmod>2025-08-22T15:34:19Z</lastmod>
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    <lastmod>2024-11-12T10:19:00Z</lastmod>
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    <lastmod>2025-09-24T17:18:04Z</lastmod>
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    <lastmod>2025-08-25T20:21:18Z</lastmod>
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    <lastmod>2025-09-24T17:18:59Z</lastmod>
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    <lastmod>2024-10-21T09:53:39Z</lastmod>
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    <loc>https://help.myzorro.co/en/articles/9965442-welcome-email-to-employees</loc>
    <lastmod>2025-08-25T20:29:23Z</lastmod>
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    <lastmod>2025-08-25T20:35:50Z</lastmod>
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    <lastmod>2024-10-22T08:39:16Z</lastmod>
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    <loc>https://help.myzorro.co/en/articles/9965450-reminder-email</loc>
    <lastmod>2025-08-25T20:54:35Z</lastmod>
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    <loc>https://help.myzorro.co/en/articles/9965451-enrollment-summary</loc>
    <lastmod>2025-08-25T20:55:23Z</lastmod>
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    <lastmod>2025-08-22T15:39:44Z</lastmod>
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    <lastmod>2025-09-16T18:08:51Z</lastmod>
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    <lastmod>2024-11-10T15:28:14Z</lastmod>
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    <lastmod>2025-09-24T16:35:21Z</lastmod>
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    <loc>https://help.myzorro.co/en/articles/9965543-deleting-an-enrollment-record</loc>
    <lastmod>2025-08-21T18:53:37Z</lastmod>
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    <loc>https://help.myzorro.co/en/articles/9965544-uploading-documents</loc>
    <lastmod>2025-09-22T16:42:26Z</lastmod>
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    <loc>https://help.myzorro.co/en/articles/9965550-walking-employees-through-the-zorro-platform-log-in-as</loc>
    <lastmod>2025-10-23T15:50:49Z</lastmod>
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    <loc>https://help.myzorro.co/en/articles/9965551-helping-employees-elect-a-plan-on-zorro</loc>
    <lastmod>2024-10-21T09:03:47Z</lastmod>
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    <loc>https://help.myzorro.co/en/articles/9965553-waiving-coverage-on-behalf-of-employees</loc>
    <lastmod>2024-10-21T09:04:34Z</lastmod>
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    <loc>https://help.myzorro.co/en/articles/9965556-manual-submission</loc>
    <lastmod>2025-09-22T17:10:05Z</lastmod>
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    <loc>https://help.myzorro.co/en/articles/9965557-identifying-employees-with-submitted-elections-ready-for-application</loc>
    <lastmod>2025-09-22T17:15:06Z</lastmod>
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    <lastmod>2024-10-21T09:31:36Z</lastmod>
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    <loc>https://help.myzorro.co/en/articles/9965562-notification-timing</loc>
    <lastmod>2025-09-24T13:15:38Z</lastmod>
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  <url>
    <loc>https://help.myzorro.co/en/articles/9965565-qle-overview</loc>
    <lastmod>2024-10-21T09:36:39Z</lastmod>
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    <loc>https://help.myzorro.co/en/articles/9965566-reporting-a-qle-on-zorro</loc>
    <lastmod>2025-09-24T13:16:13Z</lastmod>
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  <url>
    <loc>https://help.myzorro.co/en/articles/9969370-zorro-s-smart-ai-driven-employee-platform</loc>
    <lastmod>2024-10-11T09:07:00Z</lastmod>
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    <loc>https://help.myzorro.co/en/articles/9969376-enrollments</loc>
    <lastmod>2024-10-11T09:10:06Z</lastmod>
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    <loc>https://help.myzorro.co/en/articles/9969468-zorro-pay-pre-funding-note</loc>
    <lastmod>2024-10-08T09:19:05Z</lastmod>
  </url>
  <url>
    <loc>https://help.myzorro.co/en/articles/9969483-zorro-pay-initial-draw</loc>
    <lastmod>2024-10-16T08:51:52Z</lastmod>
  </url>
  <url>
    <loc>https://help.myzorro.co/en/articles/9969495-zorro-pay-reserve</loc>
    <lastmod>2024-10-11T09:27:50Z</lastmod>
  </url>
  <url>
    <loc>https://help.myzorro.co/en/articles/9969508-zorro-pay-monthly-draws</loc>
    <lastmod>2024-10-14T09:09:32Z</lastmod>
  </url>
  <url>
    <loc>https://help.myzorro.co/en/articles/9969510-zorro-pay-reporting</loc>
    <lastmod>2025-03-02T14:23:35Z</lastmod>
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  <url>
    <loc>https://help.myzorro.co/en/articles/9969526-zorro-pay-audits</loc>
    <lastmod>2024-10-11T09:29:57Z</lastmod>
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  <url>
    <loc>https://help.myzorro.co/en/articles/9969528-ach-charges</loc>
    <lastmod>2024-10-14T09:10:58Z</lastmod>
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    <loc>https://help.myzorro.co/en/articles/9969598-employee-deductions-tax-status-pre-vs-post-tax</loc>
    <lastmod>2024-11-12T10:17:23Z</lastmod>
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    <loc>https://help.myzorro.co/en/articles/9979029-election-window-auto-calculation</loc>
    <lastmod>2025-09-15T20:13:40Z</lastmod>
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    <loc>https://help.myzorro.co/en/articles/10021429-sending-carrier-applications-moving-from-election-submitted-to-application-sent</loc>
    <lastmod>2025-09-22T17:15:34Z</lastmod>
  </url>
  <url>
    <loc>https://help.myzorro.co/en/articles/10115783-introduction-to-zorro-pay</loc>
    <lastmod>2025-10-13T16:55:33Z</lastmod>
  </url>
  <url>
    <loc>https://help.myzorro.co/en/articles/10189449-what-if-i-am-already-enrolled-in-a-plan-from-a-prior-agent-or-employer</loc>
    <lastmod>2025-11-06T15:44:47Z</lastmod>
  </url>
  <url>
    <loc>https://help.myzorro.co/en/articles/10189463-what-if-the-premium-my-carrier-is-showing-is-different-from-the-premium-in-zorro-and-on-my-zorro-pay-card</loc>
    <lastmod>2024-11-24T19:14:51Z</lastmod>
  </url>
  <url>
    <loc>https://help.myzorro.co/en/articles/10327440-by-carrier-enrollment-processes</loc>
    <lastmod>2024-12-26T13:41:24Z</lastmod>
  </url>
  <url>
    <loc>https://help.myzorro.co/en/articles/10452644-1094-1095-zorro-data</loc>
    <lastmod>2026-01-22T17:39:07Z</lastmod>
  </url>
  <url>
    <loc>https://help.myzorro.co/en/articles/10509553-what-if-i-want-to-opt-out-or-waive-coverage</loc>
    <lastmod>2025-02-04T22:15:47Z</lastmod>
  </url>
  <url>
    <loc>https://help.myzorro.co/en/articles/10552053-how-should-i-prepare-for-my-consultation-call</loc>
    <lastmod>2025-10-16T14:53:11Z</lastmod>
  </url>
  <url>
    <loc>https://help.myzorro.co/en/articles/12046046-introduction-to-payroll-reporting-in-zorro</loc>
    <lastmod>2025-08-19T20:54:28Z</lastmod>
  </url>
  <url>
    <loc>https://help.myzorro.co/en/articles/12046147-action-types</loc>
    <lastmod>2025-08-19T21:13:04Z</lastmod>
  </url>
  <url>
    <loc>https://help.myzorro.co/en/articles/12067980-zorro-s-allowance-proposal-process</loc>
    <lastmod>2025-08-22T15:25:31Z</lastmod>
  </url>
  <url>
    <loc>https://help.myzorro.co/en/articles/12092259-agent-onboarding-guide</loc>
    <lastmod>2025-09-24T19:24:07Z</lastmod>
  </url>
  <url>
    <loc>https://help.myzorro.co/en/articles/12268399-submitting-an-application-manually-on-a-carrier-portal</loc>
    <lastmod>2025-09-11T14:24:27Z</lastmod>
  </url>
  <url>
    <loc>https://help.myzorro.co/en/articles/12313560-carriers-supporting-enrollments-via-healthsherpa</loc>
    <lastmod>2025-10-29T18:40:40Z</lastmod>
  </url>
  <url>
    <loc>https://help.myzorro.co/en/articles/12357455-enrollments-and-employees-tabs</loc>
    <lastmod>2025-09-22T16:38:31Z</lastmod>
  </url>
  <url>
    <loc>https://help.myzorro.co/en/articles/12359063-combination-households</loc>
    <lastmod>2025-09-22T17:12:42Z</lastmod>
  </url>
  <url>
    <loc>https://help.myzorro.co/en/articles/12401696-welcome-to-zorro</loc>
    <lastmod>2025-09-24T19:21:40Z</lastmod>
  </url>
  <url>
    <loc>https://help.myzorro.co/en/articles/12533266-sample-communications</loc>
    <lastmod>2026-03-19T18:29:36Z</lastmod>
  </url>
  <url>
    <loc>https://help.myzorro.co/en/articles/12549921-navigating-the-zorro-administrative-portal</loc>
    <lastmod>2025-10-09T18:59:00Z</lastmod>
  </url>
  <url>
    <loc>https://help.myzorro.co/en/articles/12580034-your-zorro-employee-experience-overview</loc>
    <lastmod>2025-11-03T16:22:45Z</lastmod>
  </url>
  <url>
    <loc>https://help.myzorro.co/en/articles/12607710-notice-of-creditable-coverage-for-medicare-eligible-employees</loc>
    <lastmod>2025-10-17T13:05:56Z</lastmod>
  </url>
  <url>
    <loc>https://help.myzorro.co/en/articles/12631137-submitting-an-application-on-health-sherpa-using-the-zorro-api</loc>
    <lastmod>2025-10-21T14:41:27Z</lastmod>
  </url>
  <url>
    <loc>https://help.myzorro.co/en/articles/12631194-submitting-multiple-applications-using-the-zorro-bulk-application-generator</loc>
    <lastmod>2025-10-21T14:51:18Z</lastmod>
  </url>
  <url>
    <loc>https://help.myzorro.co/en/articles/12631358-submitting-an-application-using-the-zorro-pdf-generator</loc>
    <lastmod>2025-10-21T15:14:05Z</lastmod>
  </url>
  <url>
    <loc>https://help.myzorro.co/en/articles/12638739-updating-a-company-email-address</loc>
    <lastmod>2025-10-22T13:47:55Z</lastmod>
  </url>
  <url>
    <loc>https://help.myzorro.co/en/articles/12640923-understanding-card-creation-and-processing-errors</loc>
    <lastmod>2025-10-23T14:43:10Z</lastmod>
  </url>
  <url>
    <loc>https://help.myzorro.co/en/articles/12648294-card-cancellation-events</loc>
    <lastmod>2025-10-23T14:06:53Z</lastmod>
  </url>
  <url>
    <loc>https://help.myzorro.co/en/articles/12648362-commenting-on-enrollments</loc>
    <lastmod>2025-10-23T14:14:54Z</lastmod>
  </url>
  <url>
    <loc>https://help.myzorro.co/en/articles/12648369-assigning-enrollments</loc>
    <lastmod>2025-10-23T14:16:37Z</lastmod>
  </url>
  <url>
    <loc>https://help.myzorro.co/en/articles/12650353-enrollment-team-overview</loc>
    <lastmod>2025-10-23T18:03:51Z</lastmod>
  </url>
  <url>
    <loc>https://help.myzorro.co/en/articles/12682491-avera-health-plans-self-enroll-guide</loc>
    <lastmod>2025-12-02T20:20:01Z</lastmod>
  </url>
  <url>
    <loc>https://help.myzorro.co/en/articles/12682657-bluecross-blueshield-of-north-dakota-self-enroll-guide</loc>
    <lastmod>2025-12-02T20:20:42Z</lastmod>
  </url>
  <url>
    <loc>https://help.myzorro.co/en/articles/12682673-bluecross-blueshield-of-vermont-self-enroll-guide</loc>
    <lastmod>2025-12-02T20:22:03Z</lastmod>
  </url>
  <url>
    <loc>https://help.myzorro.co/en/articles/12682860-cdphp-self-enroll-guide</loc>
    <lastmod>2025-12-02T20:22:23Z</lastmod>
  </url>
  <url>
    <loc>https://help.myzorro.co/en/articles/12682877-community-first-health-plans-self-enroll-guide</loc>
    <lastmod>2025-12-02T20:22:52Z</lastmod>
  </url>
  <url>
    <loc>https://help.myzorro.co/en/articles/12682885-community-health-options-self-enroll-guide</loc>
    <lastmod>2026-03-13T19:18:04Z</lastmod>
  </url>
  <url>
    <loc>https://help.myzorro.co/en/articles/12682920-fidelis-care-self-enroll-guide</loc>
    <lastmod>2025-12-06T03:30:47Z</lastmod>
  </url>
  <url>
    <loc>https://help.myzorro.co/en/articles/12682935-health-advantage-self-enroll-guide</loc>
    <lastmod>2025-12-02T20:32:59Z</lastmod>
  </url>
  <url>
    <loc>https://help.myzorro.co/en/articles/12682942-health-plan-of-nevada-self-enroll-guide</loc>
    <lastmod>2025-12-01T21:30:08Z</lastmod>
  </url>
  <url>
    <loc>https://help.myzorro.co/en/articles/12682966-healthfirst-ny-self-enroll-guide</loc>
    <lastmod>2025-12-02T20:33:50Z</lastmod>
  </url>
  <url>
    <loc>https://help.myzorro.co/en/articles/12682970-hmsa-self-enroll-guide</loc>
    <lastmod>2025-12-02T20:34:10Z</lastmod>
  </url>
  <url>
    <loc>https://help.myzorro.co/en/articles/12682983-independent-health-self-enroll-guide</loc>
    <lastmod>2025-12-02T20:34:55Z</lastmod>
  </url>
  <url>
    <loc>https://help.myzorro.co/en/articles/12682993-instil-health-self-enroll-guide</loc>
    <lastmod>2025-10-28T13:51:08Z</lastmod>
  </url>
  <url>
    <loc>https://help.myzorro.co/en/articles/12683007-lifewise-health-plan-self-enroll-guide</loc>
    <lastmod>2025-12-02T20:37:43Z</lastmod>
  </url>
  <url>
    <loc>https://help.myzorro.co/en/articles/12683016-premera-blue-cross-self-enroll-guide</loc>
    <lastmod>2025-12-02T20:40:46Z</lastmod>
  </url>
  <url>
    <loc>https://help.myzorro.co/en/articles/12683032-community-health-network-of-washington-self-enroll-guide</loc>
    <lastmod>2025-12-02T20:27:38Z</lastmod>
  </url>
  <url>
    <loc>https://help.myzorro.co/en/articles/12683035-providence-health-plan-self-enroll-guide</loc>
    <lastmod>2025-12-02T20:41:47Z</lastmod>
  </url>
  <url>
    <loc>https://help.myzorro.co/en/articles/12683077-sanford-health-plans-self-enroll-guide</loc>
    <lastmod>2025-12-02T20:42:55Z</lastmod>
  </url>
  <url>
    <loc>https://help.myzorro.co/en/articles/12683089-sendero-health-plans-self-enroll-guide</loc>
    <lastmod>2025-12-02T20:43:39Z</lastmod>
  </url>
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