<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"
        xmlns:geo="http://www.google.com/geo/schemas/sitemap/1.0">

  <!-- State-Specific Pages & Geographic Content -->
  
  <!-- State Notices & Compliance -->
  <url>
    <loc>https://mpb.health/state-notices</loc>
    <lastmod>2026-02-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>

  <url>
    <loc>https://mpb.health/washington-statement</loc>
    <lastmod>2026-02-25</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
  </url>

  <!-- Advisor Directory - Location Based -->
  <url>
    <loc>https://mpb.health/advisor-directory</loc>
    <lastmod>2026-02-25</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Regional Health Sharing Coverage -->
  <!-- Florida (Headquarters) -->
  <url>
    <loc>https://mpb.health/individuals-and-families</loc>
    <lastmod>2026-02-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>

  <!-- Business Solutions - National Coverage -->
  <url>
    <loc>https://mpb.health/businesses-and-organizations</loc>
    <lastmod>2026-02-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>

  <!-- Contact - Physical Location -->
  <url>
    <loc>https://mpb.health/contact</loc>
    <lastmod>2026-02-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Plans with National Availability -->
  <url>
    <loc>https://mpb.health/plans</loc>
    <lastmod>2026-02-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://mpb.health/compare-plans</loc>
    <lastmod>2026-02-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>

  <!-- Quote Calculator - Geo-targeted rates -->
  <url>
    <loc>https://mpb.health/get-a-quote</loc>
    <lastmod>2026-02-25</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

</urlset>
