Stop Overpaying for Health Insurance.
There's a Better Way.
HealthShare is a community-based alternative where members share each other's medical costs — saving families 30–50% compared to traditional insurance, with no network restrictions and no lifetime caps.
- Save 30–50% vs. traditional insurance
- See any doctor — no provider restrictions
- No annual or lifetime caps
Join 70,000+ members already saving with HealthShare · No obligation to enroll
What Exactly Is HealthShare?
HealthShare is not insurance. It's a fundamentally different model — one that existed long before modern health insurance was invented. Communities have always pooled resources to help members in times of medical need. HealthShare has modernized this concept into a structured, transparent, and affordable system that works for individuals, families, and small businesses.
The key difference: with insurance, you pay premiums hoping never to use it. With HealthShare, you join a community where everyone is committed to helping each other — and the savings are real.
A Community, Not a Corporation
HealthShare is a nonprofit membership community where members voluntarily share each other's medical costs. There are no shareholders, no profit motive — just neighbors helping neighbors.
Monthly Contributions, Not Premiums
Instead of paying an insurance premium that disappears into a corporate pool, your monthly contribution goes directly toward other members' medical needs — and theirs go toward yours.
Real Healthcare, Real Doctors
You choose your own doctor, specialist, or hospital — no provider restrictions, no referrals required. You get care first, then submit your need to the community.
Your IUA — Your Personal Responsibility Amount
Your Initial Unshared Amount (IUA) is the portion you are personally responsible for before the community shares the rest. Choose from $500 to $5,000 — lower IUA means a higher monthly contribution.
How HealthShare Works
Three simple steps from enrollment to coverage. No complicated networks, no surprise denials.
Become a Member
Choose your membership type (Essential or Direct) and select your Initial Unshared Amount (IUA). Joining takes minutes online — your membership begins quickly.
Get Care From Any Provider
See any doctor, specialist, or hospital you choose. No provider restrictions, no referrals needed. You're in control of your healthcare decisions.
Submit Your Need — Community Shares the Cost
After paying your IUA, submit your medical need. The community reviews and shares eligible costs — often within days. Urgent needs can be processed within 24 hours.
Direct Primary Care (DPC)
- ✓Flat monthly fee (~$50–$100/mo)
- ✓Unlimited primary care visits
- ✓Prescriptions at cost
- ✓No copays, no billing surprises
HealthShare
- ✓Major medical events covered
- ✓Hospitalizations, surgeries, ER
- ✓Maternity care included
- ✓Serious illness support
DPC + HealthShare = A Complete, Affordable Healthcare System
5 Reasons Members Never Go Back
to Traditional Insurance
Save 30–50% on Monthly Costs
The average family switching from traditional insurance to HealthShare saves hundreds of dollars every single month — without sacrificing the quality of care.
No Annual or Lifetime Limits
Traditional insurance caps what they'll pay. HealthShare has no annual or lifetime limits on sharing — so a serious illness won't leave you financially exposed.
No Annual or Lifetime Limits on Sharing
Traditional insurance caps what they'll pay — often at $1M–$8M lifetime. HealthShare has no annual or lifetime cap on sharing, so a serious illness won't leave you financially exposed.
See Any Provider, Anywhere
No networks. No referrals. No "out-of-network" surprises. You choose the doctor, specialist, or hospital that's right for you — period.
Your Money Helps Real Neighbors
When you contribute monthly, you're directly helping a real person in your community with a real medical need — not padding a corporation's bottom line.
HealthShare vs. Traditional Insurance — Side by Side
| Feature | HealthShare | Traditional Insurance |
|---|---|---|
| Monthly Cost | ✓30–50% less than insurance | ✗High & rising every year |
| Provider Restrictions | ✓None — see any licensed doctor | ✗Limited to in-network providers |
| Annual/Lifetime Caps | ✓No caps on sharing | ✗Often capped at $1M–$8M |
| Initial Unshared Amount (IUA) | ✓You choose: $500–$5,000 | ✗Deductible often $3,000–$8,000+ |
| Processing Speed | ✓Days; urgent within 24 hrs | ✗Weeks to months |
| Preventive Care | ✓Included (Direct Membership) | ✗Varies by plan |
| Telehealth | ✓24/7 on-demand included | ✗Often extra cost |
| Rx Support | ✓Shareable Rx program | ✗Formulary restrictions |
| Profit Motive | ✓Nonprofit community | ✗For-profit corporations |
Real Members. Real Savings.
"We were paying $1,800 a month for our family insurance plan. After switching to HealthShare, our monthly contribution is less than half that — and we can still see our same doctors."
"As a self-employed contractor, I couldn't afford ACA insurance. HealthShare gave me access to real healthcare at a price that actually makes sense for my income. I wish I'd found this years ago."
"I had a surgery last year. The community shared my costs quickly and I never felt alone in the process. The transparency is something you just don't get with traditional insurance."
Who Is HealthShare Right For?
HealthShare works best for people who are tired of overpaying for coverage that doesn't serve them. If any of these sound like you, it's worth a 2-minute rate check.
Tired of ACA premiums that eat your profits?
The problem: You're paying $400–$800/month for insurance you barely use — and the deductible is so high it doesn't even help with routine care.
The solution: HealthShare gives you access to real healthcare at a fraction of the cost. Keep more of what you earn. See any doctor you want.
Find My Rate →Want to offer benefits without breaking the bank?
The problem: Group health insurance is pricing you out. You want to attract and retain good employees, but traditional insurance costs are unsustainable.
The solution: HealthShare's Essential Membership is designed for employer groups — flexible, affordable, and genuinely valuable to your team. Not insurance, but a powerful community-based alternative.
Explore Group Options →Why pay for coverage you never use?
The problem: You're healthy, you rarely see a doctor, and you're forced to pay hundreds a month for insurance that doesn't match your lifestyle.
The solution: Choose a higher IUA and pay a low monthly contribution. You're protected from the unexpected without overpaying for the routine.
See My Options →Comprehensive care for the whole family — at a real price.
The problem: Family insurance plans can cost $1,500–$2,500/month. You need real healthcare access for your kids, but not at the cost of your financial future.
The solution: Direct Membership includes preventive care, well-child visits, virtual care, and Rx support — everything a growing family needs.
Get Family Rates →Insurance premiums skyrocketing before Medicare?
The problem: You're in the most expensive age bracket for insurance, and premiums are climbing every year. Medicare is still years away.
The solution: HealthShare contributions don't age-rate the same way insurance does. Many members in their 50s and 60s save significantly compared to ACA plans.
Compare My Costs →Your Membership Includes
More Than You Think
HealthShare's Direct Membership isn't just major medical cost sharing. It's a comprehensive healthcare system that includes preventive care, virtual visits, and prescription support — all in one membership.
Preventive Care
- ✓Annual wellness visit up to $175/member
- ✓Well-child visits included
- ✓Adult preventive screenings
- ✓No IUA required for preventive care
Virtual Care
- ✓On-demand telehealth providers
- ✓Prescription refills via telehealth
- ✓Mental health support
- ✓Available 24 hours a day, 7 days a week
Rx Support
- ✓Shareable prescription program
- ✓Discounts on routine medications
- ✓Home delivery or local pickup
- ✓Covers many common prescriptions
Two Paths to Join — Both Built for Real People
Common Questions,
Answered Honestly
We believe in transparency. HealthShare isn't for everyone — but for the right person, it's a game-changer. Here are the honest answers to the questions we hear most.
Have Questions?
Let's Talk.
HealthShare isn't complicated — but it is different. Fill out the form and I'll personally reach out to walk you through your options, answer your questions, and help you find the right plan for your situation. No pressure, no obligation.
Typical response time: under 2 hours. I personally review every inquiry and will reach out by phone or email to answer your questions — not a bot, not a call center.
Stop Overpaying.
Start Sharing.
Join thousands of families who have already made the switch to HealthShare. Healthcare freedom isn't complicated — it starts with a 2-minute rate check.
No obligation. No sales pressure. Just honest information and real rates.