Impact Health Sharing - An Affordable Alternative to Health Insurance

Understanding Your Pricing

Annual Household Primary Responsibility Amount (PRA):

The total your household pays each year toward eligible medical bills before additional expenses become eligible for sharing with the member community. Choose from four options to find the level that best fits your needs and budget.

Co-Share:

After your annual PRA is met, eligible medical bills are shared by the community at 90%. You’re responsible for the remaining 10%, called your co-share, up to a maximum of $5,000 per household each year.

Your Monthly Share Amount May Increase Under the Following Circumstances:

BMI Assessment

If anyone on your program qualifies, an additional $125 will be added to your Monthly Share.

Tobacco or Vaping Use

Members who use tobacco or vape will pay a $50 monthly Tobacco Assessment fee.

Member Requirements

Impact is a non-profit organization, rooted in Christian values, and guided by the principle of ‘love thy neighbor,’ and therefore, we welcome all who share a belief in community and helping others, regardless of religion or creed. To enroll, you must agree to our Guidelines and our Shared Beliefs and Ethics.

How is This Different?

Impact Health Sharing isn’t insurance. It’s a non-profit alternative approach where a community of wellness-minded members each contribute a monthly amount, and when someone in the community has an eligible medical need, funds are shared seamlessly through our technology platform.

By removing middlemen, bureaucracy, and profit-driven agendas, it provides a more affordable, people-centered approach to healthcare. It’s healthcare reimagined, the way it should be.

Get Rewarded for Living Well

Do you have a gym membership?

Do you get massages or acupuncture?

Do you buy supplements?

Do you have a Peloton, or attend yoga, barre or pilates classes?

Do you have a Direct Primary Care membership?

If you answered 'YES' to any of the above, or invest in your health in other ways, you can earn up to $150/month in additional savings with Impact's exclusive Wellness Rewards program.

Because your dedication and investment in a healthy lifestyle should be celebrated and rewarded.

Wellness Rewards are per household and applied to reducing your annual household responsibility amount (annual PRA). Not applicable for the Senior program.

Membership Has Its Perks

In addition to saving up to 50% per month and the Wellness Rewards program, Impact members also enjoy complimentary extras at $0 extra cost that make care simpler, smarter, and more convenient.

Annual Wellness Visit + Labs Preventive care matters. Every member can get their annual wellness visit and up to $150 in routine labs every year, shared 100% by the community. Available starting day one.

Virtual Care

Every member gets unlimited access to virtual Telehealth (24/7/365) and up to 3 short-term Teletherapy visits per month, per topic. Available starting day one.

Dental & Vision Savings Members get access to nationwide programs that make routine dental and vision care more affordable. Available starting day one.

Rx Savings Included, starting day one: $0 Generic medications (if under $10) + significant savings on brand and specialty prescriptions with manufacturer coupons applied automatically when available.

Wellness Concierge For annual wellness visits, Impact handles the payment details directly with your provider in advance of your appointment. A great way to introduce Impact to your primary provider.