Works better, feels better than Insurance | Impact Health Sharing

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.

Why Thousands Are Choosing a Different Path

Impact Health Sharing isn't insurance—it's a modern, nonprofit healthcare sharing community built around people, not profits. Members seamlessly share in one another's eligible medical needs through an intuitive technology platform.

People nationwide are making the switch because they're looking for a more affordable, transparent approach aligned with their values that helps them spend less and focus more on living well.

✓Members report saving up to 50% per month on average compared to their previous healthcare option.
✓No across-the-board rate increases (since launching in 2020) provide greater financial predictability.
✓No provider networks. Choose the doctors and providers you trust.
✓A simpler healthcare experience with less red tape and more transparency.
✓Complimentary member perks available day one including an annual wellness visit, unlimited 24/7 telehealth, Rx savings, and more.

What's Included

Comprehensive Care + Complimentary Extras

As an Impact member, you get access to comprehensive healthcare plus a full suite of
complimentary perks and more ways to save.

Available starting day one, at $0 extra cost, you get:

Wellness Rewards

Earn up to $150/month, per household for purchases like gym memberships, massages, supplements and more. Rewards applied to help reduce member's annual-out-of-pocket costs, the annual PRA amount. (Not applicable for the Senior program.)

24/7 Telehealth

Unlimited access to virtual visits for non-emergency needs, anytime, anywhere. Convenient, reliable virtual care with our virtual partner, Doctegrity.

Short-Term Teletherapy

Up to three virtual visits per month, per topic, per member for practical solution-based mental health support with a licensed Doctegrity therapist.

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Prescription Savings

$0 Generic medications (if under $10) + savings on brand and specialty prescriptions with manufacturer coupons applied automatically when available.

Annual Wellness Visit & Labs

Shared 100% by the community, every member can get an annual wellness visit and even keep their current doctor, plus up to $150/member, per year in routine labs.

Concierge Service

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

Dental & Vision Savings

Dental & Vision Savings

Reduced costs available immediately to thousands of dentists and eye doctors nationwide.

See My Savings

Additional Savings for Your Healthy Habits

Do you have a gym membership?

Do you take supplements?

Do you get massages or acupuncture?

Do you have a Direct Primary Care membership?

Do you have a fitness subscription/app or wearables?

If you answered 'YES' to any of the above, or invest in a healthy lifestyle in other ways, you can earn up to $150/month in additional savings as an Impact member. Because taking care of yourself should be rewarded.

Over $765,000 Already Rewarded for Members in 2026!

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

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