Sole Proprietor

One Person Group

Sole Proprietor

One Person Group

Sole Proprietor Membership


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MPB Secure – Zion Health | Planstin - One Person Group (Brochure) 

  •  Benefit: Medical Cost Sharing, Telehealth, Navigation & Negotiation Help, Cost & Quality Shopping, Care connect
  •  Feature: Minimum Essential Coverage Plan, Pharmacy Benefit Plan, Personal Medical Records Vault, QR Life Code, Life Care (EAP/MAP), Healthcare Discounts
Designed to avoid tax penalties, provide all ACA Preventive Care and allow access to an HSA with verifiable 1099 or Business ID.
  • Health Savings Account: Compatible
  • ACA Tax Penalty Compliant: Including those with penalties.


Complete Health Benefits Memberships


MPB Care +  Learn more 


Individuals & Families
Fulfill the dream of living a longer, healthier, happier life. Improves Access, increases Continuity, and lowers the Cost of Care.
  • Medical Cost Sharing: For large medical expenses.
  • Preventive Services: Beyond those managed by virtual healthcare are self-pay.


 APEX with Sedera medical cost sharing offers two plans that use the PHCS network and include a drug formulary.  This is a good choice if you or a family member take medicines regularly.  Learn More .  

High Deductible MEC Plan (HSA eligible) –  (brochure)  Add Sedera (Tier 1 pricing)  |  Advantage Plan, a Co-Pay Plan  – (brochure)  Add Sedera (Tier 3 pricing)

Primary Care Providers

WHAT IS DIRECT PRIMARY CARE (DPC)?  A personal relationship with your doctor. A doctor that sees you through wellness and recovery without insurance interference.  Usually pay a monthly subscription for care throughout the year.  Less stress, better care and keep more of your money.

Independent Doctors and Clinics -

No Insurance, No Problem!  Clear and transparent pricing and exceptional service!  This is a good choice if you want a old fashion doctor relationship and pay as you go at a fair price.

Visit the TheDrsHouse. Better-than-concierge medicine for adults.  Dr. Adepero Okulaja’s clinic has been designed to make her patients feel more like they are visiting a contemporary home vs. the stark look of many medical offices.

For Families - Visit Parkway Clinic.  One of the most important decisions you will make is choosing a health care provider for you and your family.

PrimaCare Direct.   Subscription DPC  Flat monthly fee $75/ per person at your selected clinic.  Great for people with regular medical needs.

Your Doctor  My patients enjoy convenient office visits, personal communication via phone, e-mail, text, and much more. 

Major Medical Cost Sharing


Zion Health – Direct membership – Major Medical Only  Learn more

Zion Health Direct Members enjoy all the amazing sharing features of the Zion Health community plus the four extra features below.  ZH-Snapshot-Guidelines

NETWORK  Access to the PHCS/Multiplan national network of providers.  You can still work with any provider but now gain pre-negotiated costs savings and simplicity using this nationwide PPO network.
PREVENTIVE  Annual wellness visits are available for sharing immediately upon membership activation. Immunizations, colonoscopies, and mammograms are shared after six months of membership. Preventive services use PPO PHCS network or select providers.  *Preventive care does not require a member to meet their HealthShare IUA.  (Brochure)
RX SHARE  All members of Zion Health have access to discounted prescriptions. Simply use the info from the downloadable ID card below when you order or pick up prescriptions to receive your discount. Learn More about RX Share  (Brochure)


Sedera Access  Learn more  

Sharing is Saving – Medical Cost Sharing is a surprisingly affordable non-insurance solution to manage large healthcare costs. Unlike other options, this approach is centered entirely around people helping people. Our Members share one another’s medical burdens and shop for the best care at the best price. In doing so, we support one another’s physical and financial health.  Membership GUIDELINES

Low Monthly Cost – Monthly Costs start as low as $106 for an individual Member.
Go Anywhere – There’s no such thing as “out-of-network” with Sedera. We go where you go.
Member Advisors – Our expert advisors will help you navigate the complex world of medical care.
Price Transparency – Always know your out-of-pocket costs before you receive care.
Out-of-Pocket Limits – Need-related costs are capped after 3 medical needs for an individual (5 for a family) in a 12-month period.
Expert 2nd Opinions – Get 2nd opinions on surgeries and new diagnoses from some of the world’s top doctors.

Medi-Share Carrier at Lifestyle Advisors

Learn more Medi-Share is an innovative health care solution for Christians looking to save money without sacrificing on quality. As the nation’s largest health care sharing community, Medi-Share members take comfort in knowing their eligible medical expenses will be shared by their community.  Statement-of-faith     Enrollment    Guidelines     PHCS Network   Exemption

Shop Health Services.

Procedure Price lookup.  This is the allowable amount Medicare insurance will pay for a procedure.

Hospital Cost Look Up

Questions about your situation?  Schedule time

Medical Cost Sharing Worksheet. MCS Education 2023

Healthy Assessment  PDF

Scope of Appointment PDF

Medicare-Education worksheet

No Insurance, No Problem, Pay as you-Go  or Shop your insurance benefits here!

Need a Lab?  Try for most or all your blood/urine testing.

Results can be sent you and the physician.  Shop Labs at your doctor's office!


Shop Medicine prices.

GoodRx logo WEBSITE

Blink Health RX look up for the best price.


Mark Cuban Pharmacy

Patient Assistance HERE 

Shop Doctors.

JoinTheWedge  - Find local Independent Doctors

PHCS  - non-insurance Network

SEDERA Referral Map   -  Find independent providers nationwide.

Provider Exchange.

Shop Health Insurance.

MNSure  Assister ID  5503492

Federal Marketplace HealthSherpa

 Health Insurance Rate Review Link

Shop Dental Insurance.

Delta Dental (
Careington Dental Savings

HealthPartners Dental

Ameritas Dental/Vision

Health Matching Account


Life Insurance

Have insurance needs? We broker most Insurance carriers for:

  • Annuities
  • Life Insurance
  • FINAL EXPENSE Insurance
  • Disability Income – Short and Long Term
  • Supplemental and Ancillary
  • Long Term Care

There is Help to Pay Medical and Dental Expenses.

Not qualified for a Health Savings Account? Here is another way to pay for out-of-pocket medical expenses including dental, vision, RX, deductibles, IUAs, co-pays and much much more.

HMA – Health Matching Account Services

The HMA® (Health Matching Account) is the ultimate medical benefit savings account available and will help our customers be able to both save money on their out-of-pocket, medical expenses and also increase their primary health insurance plan deductibles to save up to 40% or more on their monthly premiums over time. 

Learn more about HMA Prepaid Medical Claims Visa Card