Health sharing memberships your team can actually use.

Better benefits. Smaller line item.

A healthcare sharing membership built for small teams. Fixed monthly shares, HSA compatibility and no premium creep.

Cost-sharing for the self-employed

Replace hefty premiums with a fixed monthly share that pools funds for eligible medical costs, saving 40 to 60% versus typical plans.

Share monthly contributions

Each participating employee or self-employed member pays a fixed share into a communal pool. Contributions fund eligible medical expenses for all members. HSA compatible.

Tax-friendly options

Qualifying individuals may deduct the MEC portion of their membership, whether they are independent contractors, freelancers or traditional employees. Consult your tax advisor for guidance specific to your situation.

Everything a membership includes.

One stop access to telehealth, cost sharing, virtual behavioral health and more. Features vary by membership.

Protection from large medical expenses

Preventive services that satisfy federal health mandates

Maternity sharing: prenatal, delivery, postnatal and newborn care

Applicable with eligibility requirements

Over 1,000 medications at $0 or under $14.95

Save on prescriptions at nationwide pharmacies

Save 30% on high-quality vitamins and supplements

Personalized advocacy and expert member support

Genetic testing discounts

Sharing of eligible expenses is subject to membership guidelines and eligibility requirements. Preventive services that satisfy federal mandates are included with MEC memberships.

Three memberships. More ways to support your team.

Choose from three HSA-compatible options designed for different healthcare needs and budgets. All with $0 virtual care included.

HSA Essentials

Minimum Essential Care, debt dismissal and HSA compatibility for teams of 2 to 50. Best for cost-conscious businesses and 1099 professionals. Satisfies the ACA employer mandate. HSA compatible with tax advantages. Debt dismissal program. MPB concierge assistance. Pharmacy, vitamin and DNA test discounts.

Secure HSA

HSA-compatible membership with high-deductible protection and full medical cost sharing. Best for self-employed owners seeking tax advantages. Medical cost sharing after your IUA. ACA-mandated preventive care at $0. Annual wellness visit at $0. Rx benefits from $0 to $15.

MPB Flow + HSA

Medical cost sharing with no network, paired with a Health Savings Account. Best for teams who want any provider and tax-free savings. Medical cost sharing, no network restrictions. MRA options, starting from $1,500. Maternity support, plus 6 months of free diapers. 12-month pre-existing look-back. 30-day maternity waiting period.

Freedom, no ceilings, clear rules.

Provider freedom

Members choose their own providers without narrow networks or out-of-network penalties. Memberships that include MEC benefits do follow a network, since those services are provided at no cost.

No annual or lifetime sharing maximums

Unlike many traditional plans, MPB Health's cost-sharing programs don't impose yearly or lifetime maximums on eligible expenses.

Transparent sharing guidelines

Detailed, easy-to-understand rules outline which medical expenses are eligible, how sharing amounts are applied and any limits, so members know exactly what to expect.

Frequently asked questions

What are HSA compatible health sharing memberships?

HSA compatible health sharing memberships allow eligible members to combine medical cost sharing with a Health Savings Account for additional tax advantages and healthcare budgeting flexibility.

What expenses can an HSA pay for with a health sharing membership?

HSAs can typically pay for qualified medical expenses including doctor visits, prescriptions, diagnostics, dental care, and hospital-related costs that may not be fully shared through the membership.

Are health sharing memberships good for small businesses?

Many small businesses and 1099 workers choose health sharing memberships because they can reduce healthcare costs while providing flexible healthcare support options.