Health Share
A membership where members share each other's eligible medical bills. Everyone is accepted, it often costs less per month than the Marketplace, and you choose any provider.
Health Share at a Glance
A health share is a community whose members contribute each month toward one another's eligible medical expenses. When you have a bill, you pay your share first, then the community shares the rest under its guidelines.
You answer a few health questions when you join, but only to identify pre-existing conditions: you will not be turned down for your health. Those conditions are shared too, after a waiting period that is often a few years. Monthly costs are often well below Marketplace premiums and you can see any provider. MAC Insurance offers health share memberships through MPB Health.
How It Works
Pick a membership level
Choose a monthly contribution and the amount you pay toward each medical need before sharing begins.
See any provider
There is no network. Use the doctors and hospitals you want, and the membership helps with bills and pricing.
Members share eligible bills
After your portion, eligible expenses are shared by the community according to the membership guidelines.
Good For
- Self-employed people and families who do not get a subsidy
- People turned down elsewhere because of their health
- Anyone who wants freedom to choose their own doctors
Watch For
- It is not insurance, and payment of your bills is not guaranteed
- Pre-existing conditions have a waiting period, often a few years
- Each membership has its own guidelines for what is shareable
Important information
A health share membership is not insurance and is not regulated as insurance. It does not guarantee that any medical bill will be paid, and it is not covered by state insurance guaranty funds. Read the membership guidelines before you join.
Other Options to Compare
See how every option stacks up on our health insurance comparison.
ACA Marketplace
Comprehensive health insurance that covers pre-existing conditions, with income-based subsidies that can lower your premium.
Short-Term Medical
Temporary medical insurance for a gap, like waiting for employer coverage, missing Open Enrollment, or retiring a few months before Medicare.
Fixed Indemnity
Pays set cash amounts for covered care, like a fixed amount per hospital day or doctor visit, to use however you need.
Frequently Asked Questions
Is a health share the same as health insurance?
No. A health share is a membership where members contribute toward each other's eligible medical bills. It is not insurance, it is not regulated as insurance, and payment of any bill is not guaranteed.
Which health share does MAC Insurance offer?
We offer health share memberships through MPB Health. You can see the options and enroll on MPB Health's page for MAC Insurance, or schedule a call and we will walk you through them.
Will a health share accept me if I have a health condition?
Yes. You answer health questions when you join, but they only identify pre-existing conditions; health shares do not turn people down for their health. Those conditions are shared after a waiting period, often a few years, and each membership's guidelines spell out the exact timing and limits, so read them before you join.
Not Sure Which Fits?
We compare Marketplace plans and the alternatives side by side for your situation, at no cost to you.