Medical Cost Sharing & Membership Health Plans
Affordable, portable alternatives to traditional health insurance. Freedom to see any provider, lower monthly costs, and no network restrictions for major health events.
Freedom from contracts. Freedom of care.
Medical cost sharing programs let members share healthcare costs within a community — often resulting in lower overall expenses and complete freedom of care. Most programs include telemedicine, pharmacy discounts, and no network limitations for major health needs: illness, injury, accident, or diagnosis.
For comprehensive, fully compliant health coverage, combine a share plan with a MEC plan (Minimum Essential Coverage) — which provides an annual exam, medicine discounts, and a PPO network for primary care, urgent care, and imaging. It’s deemed credible coverage by the IRS.
Unlike traditional insurance, most health share memberships use flat age banding (e.g., over 40 / under 40), so costs don’t spike every year as you age.
Traditional insurance vs health share
Compare healthcare cost options
See how health share options stack up against traditional insurance on cost and coverage.
| Plan type | Monthly cost | What it covers | Best for |
|---|---|---|---|
| Traditional insurance | $300 – $1,400 | In-network treatment | Those with subsidies or employer coverage |
| Health share plan | $150 – $220 | Major health events — illness, injury, accident | Self-employed, businesses, families |
| MEC plan | $60 – $200 | Preventive care, PPO network, Rx discounts | Compliance coverage, pairs with health share |
| Direct Primary Care (DPC) | $75 – $100 | Unlimited primary care visits, no copays | Frequent primary care users |
| Telemedicine | $10 – $40 | Virtual urgent care | Everyone — great add-on |
| Concierge medicine | $100 – $200 | Personal primary care physician | Chronic conditions, personalized care |
MEC plans use PHCS Network. Find a provider at claritev.com or multiplan.us. Look up reference-based pricing at medicare.gov/procedure-price-lookup.
Plans we recommends
Each program has different strengths. we can help you compare and choose the right fit for your situation and state.
Redirect Health
Affordable healthcare with NO copay routine primary care including hospitalization protection. Flat monthly fee for all ages 18–64. Minimizes hassle and saves you money when you need care.
MightyWell — Sharewell
Open access to the best doctors and hospitals nationwide. Reference-based pricing for fair and transparent medical expenses. Great for businesses seeking Silver and Gold level coverage.
Zion HealthShare
Non-profit organization empowering members to take ownership of their health. Members contribute to each other’s medical expenses. Available for individuals, families, companies, and organizations.
eBenefits — MEC Plans
APEX Management Group offers two ACA-compliant Minimum Essential Coverage plans. Co-Pay plan for frequent medical needs ($20 office visits, $50 specialists). High-Deductible HSA-eligible plan for lower medical use.
OneShare Health
Three programs to choose from — a health care sharing ministry with quality care. Includes Virtual Primary Care and even Vet Services. Find providers through the OneShare network locator.
MPB Health
Care+, Direct and Premium Care plans include Virtual Primary Care, Urgent Care, Mental Health, and Pet Telehealth. HSA-compatible plans available for sole proprietors, 1099 workers, and small businesses up to 49 employees.
WOW Health
Unlimited virtual urgent care visits. Unlimited mental health counseling. Top 400 medications FREE. An exceptional value-add plan for comprehensive everyday coverage.
Sedera Health Share
Community members actively engaged in healthcare decisions, dedicated to a healthy lifestyle and united by shared values. Access the Cash Pay Marketplace for transparent pricing.
Medi-Share
An innovative healthcare solution for Christians. Members take comfort knowing eligible medical expenses will be shared by their community. Multiple plan tiers available.
Self-enrollment plans: Christian Health Ministries (CHM) and Redeem Health Share are faith-based plans that individuals enroll in directly — not sold through licensed insurance agents. CHM Guidelines · Redeem Guidelines. Use caution with knewhealth — reimbursement-based with proprietary pricing.
Independent doctors & Direct Primary Care
No insurance, no problem. Clear pricing, personal relationships, and care that puts you first. These pair beautifully with a health share plan.
Direct Primary Care (DPC)
A personal relationship with your doctor. An independent clinic that sees you through wellness and recovery without insurance interference. Usually a monthly subscription for care throughout the year — less stress and better care that supports local providers and your health freedom.
Find a DPC doctor near youThe Drs. House — Minneapolis
Better-than-concierge medicine for adults. Dr. Adepero Okulaja’s clinic is designed to make patients feel more like they’re visiting a contemporary home than a stark medical office. Exceptional personalized care in the Twin Cities.
Visit TheDrsHouse.comYour Doctor MN
Convenient office visits with personal communication via phone, email, and text. A true doctor relationship — pay as you go at a fair price. Old-fashioned care with modern access for Minnesota patients.
Visit YourDoctorMN.comLet’s compare the options with you — free
Every situation is different. A 15-minute call with us can clarify which combination of plans gives you the best coverage at the lowest cost for your state and circumstances.
Do you not know that you are the temple of God and that the Spirit of God dwells in you? 1 Corinthians 3:16