Works Better, Feels Better Than Insurance
Rising Healthcare Costs have you Concerned?
Families and business owners are bracing for record-high health insurance premiums and unpredictable out-of-pocket costs, with over 60% worried about affording medical care or surprise bills for their loved ones. Many must cut back on everyday expenses or risk financial hardship, as the cost of healthcare rises much faster than wages and can jeopardize household budgets and even company competitiveness.
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How Impact Works?
Impact Health Sharing is a not-for-profit community where members share and pay each other's medical bills as an alternative to traditional health insurance. The system operates through monthly contributions ("shares") allocated to eligible medical bills of other members, with transparency and privacy safeguards. Members manage their own financial accounts, and the process includes discounts on medical bills, primary responsibility amounts (PRA), and co-share limits.
A decentralized system where members directly support each other's healthcare costs.
Balances transparency with strict privacy protections.
Predictable cost-sharing with annual caps to protect members from excessive expenses.
A sustainable model leveraging individual reserves for collective efficiency.
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Why Impact?
NO NETWORK!!
Freedom to choose any Provider
Members can see any doctor or specialist nationwide with no network limitations and no network fees, allowing far greater flexibility than most insurance plans
COST SAVINGS
On average, Impact Health Sharing members save 30–50% compared to traditional health insurance premiums, with plans starting as low as $73/month for individuals and $378 for families. Many users save hundreds per month.
No open enrollment deadlines
Year - Round Enrollment
Enrollment is available year-round, so you can join and start your membership at any time, unlike standard insurance with strict enrollment periods.
Vision, Dental, & Telemedical
Impact negotiates and provides direct pricing on prescriptions, dental, telemedical calls, and vision care, with additional discounts for members. VSP and Carrington Networks included
Wellness Rewards and Perks
Members enjoy up to $150/month in health and wellness credits for eligible activities like Gym memberships plus complimentary annual wellness visits and lab credits.
Affordable Sharing Caps
After the Primary Responsibility Amount (similar to a deductible) is met, members pay only 10% of eligible medical costs, with a yearly co-share cap of $5,000 per household.
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What People are Saying About IMPACT
Jeremy Silverman - The power of
Impact's Repricing
Matt Mittelstadt - Impact takes bill
repricing seriously.
Impact Health Sharing - Works better. Feels Better
Maria McNamara - The Benefits of
Impact and Telehealth
Kelsey Chrisman - From insurance to
Impact Health Sharing
Pre - Existing Conditions
Kari Bichsel - Emergency hospital visit
No problem!
Michel Goldstein Provider practice
LOVES Impact- NO NETWORK
REAL STORIES. REAL MEMBERS.
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What Does Impact Cost?
Price is Determined By The Age of The Oldest to be Insured
Married Couple
George 38 & Sarah 35
Family of Five
Sam 42 & Emily 41
Kate 16 Michael 14 Bella 13
Primary Responsibility Amount (PRA): The Annual Household Primary Responsibility Amount (PRA) is the total each household must pay annually toward eligible medical bills before additional expenses become eligible for sharing with the member community. You get to choose from four options, allowing you to select the level that best fits your need and budget.
Co-Share: The percentage of your eligible bills you pay after your PRA is met. The Co-Share is limited to $5,000 per household per year. The Co-share does not apply to members that are 65 and older.
******Your Monthly Share Amount May Increase Under the Following Circumstances
1. BMI Assessment Qualification
- If anyone on the plan qualifies for the BMI Assessment, there will be an additional cost of $125 per month.
2. Tobacco or Vaping Usage
- If any members of the plan regularly use tobacco or vape, they will be required to pay a Tobacco Assessment fee of $50 per month in addition to their regular share amount.
How Does Impact Work For Seniors?
Understanding Impact for Seniors as a Medicare Supplement Alternative
The video explains Impact for Seniors, a healthcare cost-sharing program designed for Medicare beneficiaries (65+ with Parts A & B). It contrasts traditional Medicare Supplement plans with Impact’s model, emphasizing transparency, fixed annual costs, and community support. Key themes include cost structure, eligibility, claims processing, and the program’s non-insurance nature.
Impact For Groups, Businesses, & Organizations
Impact Groups: Affordable Healthcare Solutions for Businesses
Impact Groups introduces a group billing solution designed to help small businesses and organizations provide affordable healthcare access to employees through Impact Health Sharing. The service offers personalized enrollment, simplified billing, and comprehensive management tools while including coverage for spouses and family members.
Personalized enrollment
Monthly group billing
Group dashboard
A streamlined, flexible solution to manage employee healthcare benefits efficiently.
Businesses can immediately start reducing healthcare expenses by adopting Impact Groups.
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F A Q s
What is Impact Health Sharing?
Impact Health Sharing is a not-for-profit healthcare sharing ministry where members contribute monthly shares to cover each other’s eligible medical expenses, providing a transparent and community-driven alternative to traditional health insurance.
How does Impact Health Sharing work?
Members pay a monthly share. After the annual Primary Responsibility Amount (PRA) is met, Impact shares 90% of eligible expenses and the member pays a 10% co-share (with an annual cap)
How easy is it to sign up for Impact Health Sharing?
Signing up is simple, digital, and takes only a few minutes. Individuals, families, and groups can generate quotes and enroll online, with coverage starting as soon as the next month if completed five days before month-end
Does Impact Health Sharing limit me to any particular network of providers?
No, Impact has no provider network. Choose any licensed healthcare provider or facility anywhere in the U.S., with no restrictions or network fees.
Does Impact Health Sharing offer group plans for businesses, organizations, or nonprofits?
Yes. Impact for Groups is available for small businesses and organizations (up to 49 people). Features include easy collective billing, an admin dashboard, no long-term contracts or minimums, and eligibility for including employees’ families.
How Much Could I Save With Impact Health Sharing?
Members typically save 30–50% compared to insurance premiums. Many report saving thousands per year, and premiums are kept steady due to the not-for-profit structure.
Who is Eligible for Group Plans?
Groups of up to 49 people, including businesses, nonprofits, or schools. Spouses and dependent children can be included
Are Pre Existing Conditions Covered?
A pre-existing medical condition is one where there have been known signs, symptoms, diagnoses, tests, treatments, or medication use within the 36 months before joining. These conditions are not eligible for sharing until 36 consecutive months have passed without any related signs, symptoms, testing (other than surveillance), diagnosis, treatment, or medication (based on medical records). After this 36-month symptom- and treatment-free window, those previously pre-existing conditions become eligible for sharing. For example, if cancer is in complete remission and only monitored, bills related to that history would not be shared for the first 36 months of membership, but may become eligible afterward if no further activity occurs. This limitation does not apply to members aged 65 and older.
What Medical Expenses are eligible for sharing?
Eligible costs include hospitalizations, surgeries, physician visits, emergency care, maternity care, mental health visits, and most major medical expenses if not for excluded treatments.
Are There Provider Fees?
Yes. Fees are $0 for telemedicine (excluding mental health), $50 for primary care or allergy tests, $75 for specialists or urgent care, and $150 for ER/inpatient care. These are paid at service before bills are submitted for sharing.
