816-400-4477Health Share Coverage
Affordable Health Coverage With National Network
• PPO National Network
• Price Not Based On Income
• Plans For Everyone
What is a Health Share?
Health shares are communities of individuals who pool their resources into a managed fund, designed to cover medical expenses collectively. While they share similarities with conventional insurance plans, they operate through member contributions to support one another’s healthcare needs.
How Health Shares Work
- Members contribute a set amount each month to their health share organization.
- These contributions are pooled into a managed fund.
- When a member requires medical care, the health share plan helps cover their medical expenses.
Benefits of Health Shares
Deciding if health shares are the right fit for your needs involves thoughtful evaluation and consideration.
Health Share Videos
Health Shares vs. Health Insurance
While health shares and health insurance share many similarities, they also have key differences. When deciding between the two, it’s essential to carefully consider the following factors:
Health Shares are organizations that members contribute monthly to pay for medical expenses. Each health share has different guidelines for members to adhere to.
Health Shares typically have lower pre-subsidy costs than comparable ACA/Obamacare plans because they are based on household income.
Health Shares offer Nationwide PPO networks versus local HMO/EPO networks through Obamacare.
Health Shares are available to enroll 365 days a year with no qualifying event needed.
Health Shares are automatically renew, so there is no need to have renew your plan each year.
Health Shares membership fees are not tax deductible.
Traditional Health Insurance Vs. Health Share Coverage
Health Insurance Can Be a Challenge
- Network
- Traditional health insurance plans usually offer a choice between a network of healthcare providers within your area. For those who enroll in an Affordable Care Act plan, the network is often limited to EPO or HMO plans, which can make your provider options limited.
- Deductibles
- Traditional health insurance plans come with an annual deductible that may change each year. The average out‑of‑pocket is $7,400 or more. Depending on your income, you may be able to apply for a subsidy to assist with your out‑of‑pocket costs.
- Price
- Traditional health insurance plans are offered in various tiers, including Bronze, Silver, Gold, and Platinum. These tiers represent a trade‑off between monthly premiums and out‑of‑pocket expenses — Bronze plans typically have lower monthly premiums but higher deductibles and copays.
- Consistency
- Plans change every year, and you have to renew it every year.
A Unique Solution Without the Constraints of Traditional Insurance
- Network
- A comprehensive healthcare plan lets you choose from numerous PPO providers locally and nationwide! With health share plans, you can enjoy the flexibility of an extensive network for health coverage.
- Deductibles
- With health share plans, no matter your income level, you can get access to the same great choices for deductibles. On average, out‑of‑pocket costs $1K — giving peace of mind that quality healthcare is within reach.
- Price
- Enjoy lower prices, deductibles, and max out‑of‑pocket costs — all without sacrificing quality care.
- More Health Providers
- Health shares are becoming increasingly accepted by PPO providers, making them an excellent choice for getting the coverage you need.
- Consistency
- Health shares are a secure and cost‑effective way to keep you covered for life — no renewals needed! Enjoy the assurance of knowing your health plan will remain in place until age 65.
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1 816 317 0686Old Way vs. New Way:
The Movement in Health‑Sharing
| Coverage | Medishare"Old Way" | New Healthshares"New Way" |
|---|---|---|
| Wellness / Preventive | ✕ | ✓ |
| Low Out‑of‑Pockets | ✕ | ✓ |
| Low Visit Fees | ✕ | ✓ |
| Chronic Maintenance | ✕ | ✓ |
| PPO Network | ✕ | ✓ |
| Confusing Bills | ✓ | ✕ |
| Forced to Self Pay | ✓ | ✕ |
| Per Incident Exposure | ✓ | ✕ |
| Smaller Incident Caps | ✓ | ✕ |
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1 816 317 0686Comparing
Health Insurance to Health Share Coverage
Bronze ACA Plan
- Family of 4
- Parents 40, kids 8 and 6
- In Kansas City, MO
- Cheapest plan premium: $1,218 a month
- Deductible: $9,100 or $18,200 family
- Yearly cost if healthy year: $14,616
- Yearly cost of life's unexpected surprises: $1,218 × 12 = $14,616 in premium + $18,200 for family deductible = $32,816
Silver HCSM Plan
- Family of 4
- Parents 40, kids 8 and 6
- In Kansas City, MO
- Monthly contribution: $773.52 a month
- NSA: $5,000 or $15,000 family
- Yearly cost if healthy year: $9,282.24
- Yearly cost of life's unexpected surprises: $773.52 × 12 = $9,282.24 in contribution + $15,000 for family NSA = $24,282.24
Over $5,000 in savings if you have a perfectly healthy year!
Over $8,500 in savings if a worst-case scenario happens to your family!
Lower monthly amounts, lower doctor's visits, lower out‑of‑pockets!
Health sharing plans cost less and offer better coverage!
Talk with a Licensed Agent
1 816 317 0686Working With A Health Insurance Broker
A broker is objective, experienced, and will save you time by doing all of the research for you.
Whenever and however you need it.
A Broker Is Objective
When it comes to finding the right health coverage for your needs, working with a broker has a number of advantages. Here are just a few of the reasons why you should consider working with a broker when shopping for health coverage.
Marquan Hughes
Junior Partner
Apollo Will Find The Right
Plan For You
Driven by our mission to Positively Impact People’s Lives, we empower individuals and families to find the perfect healthcare coverage. Since 2010, we have secured over 32,000 of affordable health plans for those seeking coverage. Our team of dedicated health insurance advisors go beyond quotes – offering competitive pricing, a wide range of options, and unparalleled advocacy for your well-being. Our goal is to make sure that you feel confident and have peace of mind knowing that your health coverage is taken care of.
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