Impact Health Sharing is a community-based healthcare cost-sharing model, providing solopreneurs and small business owners an affordable alternative to traditional health insurance. The not-for-profit organization offers programs starting at just $73 for individuals and $378 for families, creating a framework where members directly share each other's medical expenses while maintaining control over their healthcare decisions.
This new approach comes at a critical time when many self-employed professionals and small business owners struggle with the rising costs of traditional health insurance. Impact Health Sharing's model eliminates conventional insurance mechanisms in favor of a community-based system that emphasizes affordability, comprehensiveness, and accessibility.
Impact Health Sharing introduces several key differentiators from traditional insurance models. Rather than deductibles, members operate under a Primary Responsibility Amount (PRA) system ranging from $1,000 to $10,000. After meeting their annual PRA and applicable co-share, all eligible medical bills can be submitted for sharing across the entire household.
The coverage framework provides comprehensive options including preventative care, maternity expenses (eligible after 12 months of membership with a $150,000 limit per pregnancy), and special provisions for seniors with Medicare. Pre-existing conditions have specific limitations—conditions with signs, symptoms, or treatment within 36 months prior to membership aren't immediately eligible for sharing but can become eligible after 36 consecutive months without signs, symptoms, or treatment.
For small businesses, Impact Health Sharing offers a specialized "Impact for Groups" option. This employer solution enables small organizations to provide healthcare alternatives to employees through a streamlined group billing system that accommodates spouses and families—a game-changing option for businesses that previously couldn't afford traditional group health plans.
"Small business owners have been trapped in a lose-lose scenario when it comes to healthcare," the spokesperson continued. "Either sacrifice profit margins on expensive group plans or leave employees to navigate the individual market alone. Impact for Groups creates a third path that serves both the business's financial health and employees' wellbeing."
Impact Health Sharing's availability extends across all US territories (including Puerto Rico, Guam, US Virgin Islands, American Samoa, and Northern Mariana Islands), making it an inclusive option for entrepreneurs regardless of location. The organization has structured its communication around a clear question-and-answer format that addresses common concerns, making complex healthcare-sharing concepts more digestible while simultaneously addressing potential objections.
Beyond the immediate cost benefits, Impact represents a philosophical shift in healthcare financing—emphasizing community responsibility and direct sharing rather than traditional insurance mechanisms. This model appeals to individuals seeking both financial savings and greater control over their healthcare decisions while participating in a community-based approach to managing healthcare costs.
For more information about Impact Health Sharing or to request a quote, visit impacthealthsharing.com.
About Impact Health Sharing
Impact Health Sharing is a not-for-profit healthcare cost-sharing organization that provides an alternative to traditional health insurance. Through its community-based model, members directly share each other's medical expenses while maintaining control over their healthcare decisions. Impact offers programs for individuals, families, and small businesses across all US territories.