Questions, answered.
Get answers about healthcare sharing memberships, medical cost sharing, membership benefits, enrollment timing, and pros and cons of health share memberships.
Straight answers about health sharing.
Straight answers about health sharing, memberships, and what it is like to be a member. Call (855) 816-4650 or get a quote if you want to talk it through.
Frequently asked questions
What is MPB Health?
MPB Health offers memberships that are alternatives to traditional health insurance. MPB Health is not insurance; rather, it is a community-focused organization dedicated to providing transparent, non-insurance alternatives for healthcare. We facilitate a medical cost-sharing model that empowers individuals, families, and businesses to break free from traditional network restrictions and high corporate overhead.
Why do people choose MPB Health?
Members choose MPB Health for the greater flexibility of seeing any doctor, significantly lower monthly costs compared to traditional insurance, and access to a community-based model. Our members value a system that prioritizes transparency and shared responsibility over corporate profit margins.
How much do members typically save by joining MPB Health?
On average, our members see a 30–60% reduction in their monthly costs compared to traditional insurance premiums. Because we are a community-driven model without the high overhead of corporate insurance, those savings are passed directly back to our members.
How is MPB Health different from traditional insurance?
Traditional insurance is built around premiums, restrictive networks, and corporate risk pools. MPB Health is a community-based alternative where members contribute monthly to share in eligible medical needs based on clear guidelines rather than insurance contracts. This model offers lower monthly costs and the freedom to choose any provider without network limitations.
What makes MPB Health different from other healthshares?
MPB Health provides access to HealthShare memberships that do not require a religious statement of faith, making them available to people from a wide range of backgrounds and beliefs. While the HealthShare community handles the sharing of eligible medical needs, MPB Health enhances the membership experience with modern health and wellness services, including $0 unlimited virtual care and behavioral health resources available from day one.
Is MPB Health a good fit for families?
Yes. Many families choose MPB Health because it offers total provider flexibility, allowing them to keep their trusted pediatricians and specialists. Families also benefit from significant monthly savings and immediate access to resources such as $0 unlimited virtual care and behavioral health.
Who typically joins MPB Health?
MPB Health is an ideal fit for individuals, families, small business owners, and self-employed professionals who prioritize freedom and flexibility in their healthcare.
Is MPB Health available nationwide?
Yes. MPB Health is available to members across most of the United States and Puerto Rico. Membership is currently unavailable to residents of Washington state.
Do I have to wait for an Open Enrollment period to join?
No. You can join any time of the year. There are no restrictive enrollment windows, and you can start your membership as early as the first of the next month.
Is maternity care eligible for sharing?
Yes. MPB Health supports growing families by sharing in eligible expenses related to prenatal care, delivery, and postnatal care. Depending on your membership, the pregnancy conception date must occur after at least 30 days or six months of continuous membership. Once the Initial Unshareable Amount (IUA) or Member Responsibility Amount (MRA) is met for the pregnancy, the community shares in the remaining eligible costs for both the mother and the newborn's initial care.
What is a healthcare sharing membership?
A healthcare sharing membership is a program where members contribute monthly amounts to help share eligible healthcare expenses across a community-based network.
What are the pros and cons of health share memberships?
Pros may include affordability, flexibility, and lower monthly costs, while limitations may include sharing restrictions, pre-membership condition guidelines, and non-insurance status.
Can I use any doctor with a health sharing membership?
Many health sharing memberships offer flexible provider access without strict network restrictions, though reimbursement and sharing eligibility may vary by program.
MPB Health memberships are not insurance and do not guarantee payment of medical expenses. Eligible expenses are shared according to the membership guidelines.