Impact Health Sharing is a smarter, community-powered alternative to insurance that puts control—and compassion—back in your hands. Protect yourself and your loved ones from major medical bills and hospitalizations while saving 30–50% over traditional insurance. With one predictable monthly share, you join a supportive network that shares costs and provides peace of mind when life’s big health events happen.

When combined with OptimalMD Prime, you get peace of mind like never before.

Impact Health Sharing gives you real protection from life’s big medical bills—without the headaches or high price tag of insurance. Instead of paying for coverage you may never use, you join a community that shares the cost of serious health events when they actually happen.

• Every month, you contribute a predictable amount tailored to your family and needs—often saving 30–50% compared to typical insurance.
• When you face a major expense, like a hospital stay or emergency, the Impact community steps up and shares your costs above your Primary Responsibility Amount (your part to pay, similar to a deductible).
• After that, you only pay 10% of the remaining bills—capped at a family limit each year—so you’re never alone with overwhelming costs.
• Impact handles the paperwork and negotiates bills on your behalf, so you always know what you’ll pay and never have to fight for coverage.
• Preventive care, annual wellness, and routine labs are included, keeping you healthy while protecting you from big surprises.

With Impact, you get the confidence and freedom of knowing your medical needs are met—no contracts, no fine print, just genuine support when you need it most.

Maybe the marketplace options are just too expensive, or you don’t qualify for help. You want real protection for major medical bills—but without the fine print, restrictions, and one-size-fits-all rules.

Impact Health Sharing is built for people like you:

• Families, freelancers, or small business owners who don’t have access to good employer coverage.
• Anyone shut out by high deductibles, unaffordable monthly costs, or denied by traditional insurance.
• People who want a flexible safety net that goes with them anywhere, and doesn’t force them into government or employer-based plans.
• Those who value community support, clear rules, and the freedom to only pay for the care they actually use.

With Impact, you’re never left out or left behind—you get dependable backup for life’s big medical moments, with real savings and genuine support.

Impact Health Sharing isn’t insurance, but it’s proven. Your monthly share is pooled, and when big medical expenses hit, member funds step in. The community has saved hundreds of millions in actual claims, and protections are written in clear sharing guidelines that everyone follows. You get transparency, support, and financial security—without surprise denials or fine print.

Health sharing is a fast-growing alternative to insurance, but it’s still new for many people. For decades, these programs were mostly used by small faith-based groups, but now millions of Americans from all backgrounds are joining because of rising insurance costs and the flexibility health share offers. Impact Health Sharing is open to anyone looking for affordable, community-powered protection without insurance company red tape. It’s a modern solution that’s finally getting the attention it deserves as more families discover the value and transparency it brings.

Your monthly share is based on household size and age, and typically costs 30–50% less than standard health insurance.

Yes—after your PRA and co-share, eligible inpatient and outpatient hospitalization, ICU, and surgery bills are shared.

Yes, you have flexibility. There’s no mandatory network; you can choose your own doctors and hospitals.

Pre-existing conditions are shareable on a tiered basis starting after 12 months, with more coverage after 36 months of being symptom and treatment-free.

Enroll online or with support from an advisor; no medical exam required, and effective dates are flexible.