Health-sharing programs typically require that you reside in a supported region—most often within the United States or its territories—and maintain that address on file. You’ll also be asked to affirm a set of guiding principles, such as a commitment to community-driven cost sharing, healthy lifestyle choices. Once enrolled, you select an “Initial Unshareable Amount” and make fixed monthly contributions; your eligibility for sharing remains in force only while your payments are current.

To safeguard the sustainability of the communal pool, some memberships may require waiting periods before certain expenses become share-eligible.

HealthSharing programs typically set a waiting period before sharing costs for any medical conditions you had before joining. These are known as pre-membership medical conditions.

Because each health-sharing program has its own requirements, timeframes, and limitations—and may be subject to various state regulatory notices or disclaimers—it’s essential to review the official guidelines and any state-specific notices of any program you’re considering. That way, you’ll understand precisely when and how your expenses become share-eligible.

Eligible expenses may include hospital stays, surgeries, accidents, maternity care, and a wide range of other medically necessary services. For the full list of eligible expenses ask for our member guidelines or contact one of healthcare advisors.

Absolutely! MPB Health has plans that are paired with Minimum Essential Coverage—such as Premium HSA, MEC+Essentials, and Secure HSA—to create a well-rounded, ACA compliant solution for employers.

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