Health care sharing programs are organizations whose member “share” medical expenses. As a member, you pay for a monthly premium and have what is called an annual unshared amount which functionally acts like a deductible. Health care costs beyond the AUA are paid for with the other member’s premium pool of funds. These programs are much more affordable typically than health insurance and are great for those with good health, lack of access to insurance through an employer, or those that want or need only catastrophic coverage or cannot afford current health insurance premiums.
These programs also have other requirements as well such as no tobacco use or can be religious based. Many patients who have health care sharing programs typically use direct primary care clinic such as North Texas Direct Primary Care together for additional cost savings.