What is IUA?
The IUA is the portion of a medical need you are responsible for paying before the health-sharing community begins sharing eligible expenses.
The Initial Unshareable Amount (IUA) represents the amount a member contributes toward an eligible medical need before sharing can begin.
Once your IUA is met, additional eligible medical expenses related to that same medical need may be shared according to program guidelines.
Key Rules to Know:
The IUA applies per medical need, not per visit.
Once your IUA is met for a specific need, you do not owe another IUA for that same need until you have been symptom-free for 12 months.
There are no annual or lifetime limits on eligible shareable expenses.
How It Works
You receive care from a licensed medical provider and request a receipt
You submit a sharing request through the Member Portal or MPB Health App.
Eligible expenses are reviewed according to program guidelines.
You are responsible for paying the IUA first.
Once the IUA is satisfied, remaining eligible expenses may be shared by the health-sharing community.
Example:
If your chosen IUA is $2,500 and your total medical bill is $10,000, you pay the first $2,500. The remaining $7,500 may be shared according to program guidelines.
Changing Your IUA
Household memberships may change their IUA one (1) time per membership year.
All IUA change requests must be submitted by 3:00 PM EST before the last business day on or before the 20th of the month
If you choose to lower your IUA a 60-day waiting period will apply to all sharing requests (This waiting period does not apply to accidents)
Raising your IUA does not trigger a waiting period.
To request an IUA change, please complete the Member Updates form: Member Updates | MPB Health
IUA and Preventive Care
(For MEC Memberships ONLY)
Preventive care provided through Minimum Essential Coverage (MEC) does not require an Initial Unshareable Amount (IUA). IUAs apply only to eligible medical needs submitted for health sharing and do not apply to ACA-defined preventive services.
Important Things to Know
IUA amounts vary from $1,250-$5,000
Certain needs (such as maternity) may have different IUA requirements
IUAs must be satisfied before sharing begins
Paying your IUA does not guarantee that all remaining expenses will be shareable
Household Protection Rule
Household memberships will not be responsible for more than three (3) IUAs in a rolling 12-month period.
After three IUAs have been met within a rolling 12-month period, any additional eligible sharing requests exceeding $500 will be shared with no additional IUA responsibility.
How Members Typically Pay Their IUA
Cash-pay pricing with providers
Health Savings Account (HSA) funds (if HSA-compatible)
Payment plans or negotiated provider discounts
Have Questions or Need Help?
Our MPB Health Concierge Team can explain IUAs, how they apply to your medical needs, and help you plan for your healthcare expenses.
📞 Concierge: 1-800-519-2969
📧 Email: concierge@mympb.com
🌐 Member Portal: https://app.mpb.health/