Seven memberships. One community.

For individuals and families.

Start with everyday care, or add medical cost sharing for the bills you cannot plan for. Every membership includes $0 virtual care, concierge support, and pharmacy savings.

Essentials — $50/mo

Virtual care, pharmacy savings, and debt relief. No medical cost sharing. Best for young, healthy individuals. Includes $0 virtual urgent care 24/7, virtual primary care, virtual behavioral health, MPB concierge assistance, pharmacy and vitamin discounts, and a debt dismissal program.

Care+ — $166/mo

Medical cost sharing for the unexpected, with everyday virtual care built in. Best for families seeking balanced protection. Includes sharing after your IUA, $0 virtual urgent care, virtual primary and behavioral health, concierge assistance, pharmacy discounts, and DNA test discounts.

Direct — $201/mo

Preventive sharing plus comprehensive medical cost protection. Best for families who value preventive care. Screening mammography and colonoscopy carry a 6-month waiting period on Direct.

MPB Flow.

MPB Flow — $179/mo

Sharing with no network, plus gym and dental perks.

MPB Flow + HSA — $248/mo

Everything in Flow, and the membership is HSA compatible.

One amount you are responsible for. Then the community shares.

Every sharing membership has an Initial Unshareable Amount, also called your Member Responsibility Amount. It is the portion of an eligible medical need you cover yourself before the community steps in. You choose it when you enroll, and a higher amount means a lower monthly contribution.

Frequently asked questions

What are affordable healthcare memberships?

Affordable healthcare memberships provide community-based medical cost sharing options that help reduce healthcare expenses without relying on traditional insurance structures.

What types of health sharing memberships are available?

MPB Health offers multiple health sharing membership options including large medical expense protection, family healthcare sharing, and HSA-compatible memberships for self-employed individuals.

Can families use health sharing memberships?

Yes. Many health sharing memberships are designed specifically for families seeking affordable healthcare alternatives with flexible monthly sharing options.