How Impact Health Sharing Works

Healthcare That Puts Members First

A simple, tech-powered model that cuts out bureaucracy, middlemen, red tape, and profit-driven agendas...connecting people instead. Members save up to 50% per month, enjoy industry-leading payment efficiency, and have over five years of rate stability. Together, our community has shared and saved $275M+ in medical bills to date.
See how it works—step by step, with no networks, hidden fees, or surprises.

You share in other's eligible expenses.

They share in yours.

Together, members save and support one another.

You Pay Your Monthly Share

Each month, you contribute your Monthly Share amount for you/your household. Monthly share amount is based on household size, age of the oldest person in your household, and program choice.

Impact's tech-based platform matches the Monthly Share funds with other member’s eligible medical expenses and sends payment directly to their provider(s) in 15 days or less.
Using Your Membership
Impact has no network restrictions. You can see any provider nationwide. When you receive care, just show your member card and have the bill sent directly to Impact.

Plus, starting day one, every member gets complimentary access at $0 extra cost, including:
- Unlimited 24/7 telehealth
- Short-term teletherapy (3 visits per month, per topic)
- Annual wellness visit
- Routine lab work (up to $150)
Bill Review & Fair Pricing

We review every bill to ensure it meets sharing guidelines, work to reprice it to fair market value when possible, and guide you on the next steps and the final amount you’ll owe.

"Repricing" means reducing a bill to a lower, fair amount based on industry data and careful review. Even if your bill isn’t eligible to be shared by the Impact community, Impact will still apply the same repricing process—advocating on your behalf to avoid unnecessarily high charges.
The Power of Sharing

When you enroll, you choose an annual Household Primary Responsibility Amount (PRA)—this is a household total, not per person. Your annual PRA must be met before sharing begins and is achieved through eligible medical bills and Impact’s exclusive Wellness Rewards program.

Once your annual PRA is reached, the community begins sharing 90% of your eligible expenses from that point on, while you pay just 10% (your co-share). The most you’ll ever pay in co-share per year is $5,000.

Three Reasons It Works Better

Impact paid my provider in less than two weeks. That’s faster than any health insurance I’ve had.

— David C.,
Member since 2020

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Community-Powered Sharing

Members come together to share one another’s eligible medical expenses.

Fast & Fair

Bills are processed quickly, often within 15 days.

Transparent & Flexible

Clear Guidelines and freedom to choose any provider.

Annual Household Primary Responsibility Amount (PRA)

The annual PRA is the amount your household is responsible for each year before members begin sharing in your eligible medical expenses. Unlike health insurance deductibles that reset per person or per incident, the annual PRA is one household-wide amount for the full membership year.

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Reducing Your Annual PRA

Impact's exclusive Wellness Rewards program helps reduce your annual PRA for things you're already doing to invest in your health. Earn up to $150/month, per household for things like gym memberships, massages, acupuncture, purchasing supplements, a Peloton subscription, or your Direct Primary Care costs and more.

READY TO SEE HOW HEALTHCARE SHARING WORKS?

Sharing is simple. Each month you will pay your Monthly Share and Impact will match those funds with another member’s eligible medical expenses. We will then send the payment to the provider. If you have to visit a provider, have them send the bill to us and we’ll guide you on the next steps. Once your family meets your annual Primary Responsibility Amount, other members will begin to share in your medical expenses.

HOW DOES IMPACT ACTUALLY WORK?

In some ways, Impact Health Sharing functions the same as your current health plan, but it's different in ways that matter!

And, Impact is open for enrollment year-round. Open enrollment restrictions don't apply to healthcare sharing.

HOW DOES IT WORK WHEN I GO TO THE DOCTOR?

If you need medical care, simply choose your provider, present your Impact Member Card and pay the provider fee at the time of visit.

Since Impact Health Sharing is not insurance, you choose your doctor and health care facility. With no provider network limitations, you can keep the providers you already know and trust for all of your health care needs.

HOW DOES IT WORK FOR REAL MEMBERS?

Don't take our word for it. Listen to an Impact Member tell you how Impact Health Sharing works for them.

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