Many of the differences in health insurance and health share programs involve the members’ rights to choose what type of medical expenses will be covered and who will be eligible for membership. Health insurance plans must comply with the Affordable Care Act. This means that insurance plans must accept all sorts of people with all sorts of medical issues. This can drive up the total cost of insurance plans and put comprehensive plans out of financial reach for many Americans.
To keep costs down for the entire membership, most health sharing programs limit eligibility to people without complicated pre-existing medical conditions. For those with chronic health issues and pre-existing conditions, there may be better options elsewhere.
Avoiding tobacco use and excessive alcohol consumption. Again, being in good health is a prerequisite for joining a health care sharing program, and those who engage in dangerous activities may not be eligible for enrollment.
May be looking for a more affordable option than traditional health insurance can provide. Health insurance plans are expensive, so being a part of a health care sharing program may help save quite a bit of money every month – some will save 60% or more when compared to traditional insurance options.
Are (between 55 and 64 years of age) and transitioning out of full-time work before becoming eligible for Medicare. People who are looking to retire will not be able to take advantage of their employer’s health care benefits, but a health care sharing program may step in to fill the gap between employer coverage and Medicare.
Operate small businesses or non-profit organizations with staff who require health care coverage. Businesses with a small number of employees may require OR desire to offer a health care program to their employees and their families.
Individuals who are self-employed, freelancers, consultants or contractors. Those who are not employees may not have access to employee-backed insurance programs nor be able to afford typical health insurance programs, and medical care sharing programs may be a viable alternative.
Earn too much money to be eligible for subsidies with conventional ACA plans. Those who earn well over the federal poverty level (FPL) and don’t qualify for subsidies may find our programs more affordable.
Families of a individual receiving employer benefits. Many people seek and receive the coverage of an employer health insurance plan; however, the cost to insure a spouse and/or dependents can be completely unaffordable. Healthcare sharing programs can be an ideal solution for those dynamics.
Healthcare sharing programs can be used nationwide. Finally Americans can choose their own path for work and location and take the healthcare with them.
Take a few minutes to review the Impact Membership Guidelines and program details.
Take a few minutes to review the Impact Membership Guidelines and program details. It's important that you understand the healthcare sharing community that you are joining.VIEW GUIDELINESVIEW GUIDELINES
Check our pricing for the PRA (Primary Responsibility Amount) that best fits your budget.
Check our pricing for the PRA (Primary Responsibility Amount) that best fits your budget. We have several options and prices to choose from.ASK QUESTIONASK QUESTION
It takes about 10 minutes to complete our online application.
It takes about 10 minutes to complete our online application. Make sure you have a form of identification and are ready to fill out a health questionnaire for each person applying.SIGN UP NOW!SIGN UP NOW!