Lower Your Healthcare Costs with MPB Health
Enroll in MPB Health today. Simple online enrollment, flexible memberships, and savings up to 60%. No medical underwriting required.
Enroll any month.
Not insurance. MPB Health provides medical cost sharing and direct primary care with transparent rates by age band and Initial Unshareable Amount. 2026 pricing is effective January 1, 2026.
Frequently asked questions
Is MPB Health insurance?
No, MPB Health is not insurance. We are a medical cost sharing community where members share eligible healthcare costs. This model has been used successfully for decades and offers an alternative to traditional health insurance.
How are rates set?
Your monthly share is based on three factors: your age band (18-29, 30-49, or 50-64), your chosen IUA ($1,250, $2,500, or $5,000), and a $50 monthly surcharge if any household member uses tobacco or vapes.
When do 2026 rates apply?
2026 rates apply to any coverage with a start date on or after January 1, 2026. If your coverage begins before January 1, 2026, current rates will apply.
What memberships are available?
Care+, Direct, Secure HSA, Essentials, and HSA Essentials all include $0 unlimited virtual care, MPB Concierge, and pharmacy discounts. Essentials focuses on hospital debt relief. Care+, Direct, and Secure HSA include medical cost sharing.
Do you serve my area?
MPB Health serves members across the United States. Contact us to confirm availability in your specific location. Membership is currently unavailable to residents of Washington state.
MPB Health memberships are not insurance and do not guarantee payment of medical expenses.