Healthcare Sharing: A Friendly Way to Lower Healthcare Costs (That is Not Insurance)
Healthcare costs keep rising, and a lot of families are really starting to feel it. And according to projections, 2026 is expected to be the fourth year in a row of unusually high increases, after ten years where health benefit costs only went up about 3% a year. It’s no wonder people are beginning to look for other options.
For a lot of people, when you say “healthcare,” the first thing they think of is insurance: premiums, networks, deductibles, and those surprise bills that pop up out of nowhere. But there’s another option that’s been gaining attention lately, and it works a little differently: Healthcare Sharing.
Benefits of Healthcare Sharing for You
Free annual wellness visit
You get one wellness visit each year that’s scheduled and prepaid through a concierge team, so you’re not guessing about costs.
Flexible start dates
You can enroll now, and your sharing begins on the 1st of the next month, so you know exactly when you’re covered by the community guidelines.
Dental & vision savings
While it’s not dental or vision “insurance,” you receive discount cards that can save roughly 30–60% on many dental and vision services.
Use your own doctor
There is NO network. You can choose any doctor you wish.
24/7 telehealth with $0 visit fee
Urgent telemedicine through the approved telehealth partner has no provider fee at the time of service (excluding some mental health visits), which makes quick care more accessible.
Lab and therapy support
- $150 annual lab credit toward common lab work (often through Quest Diagnostics).
- Up to 50 outpatient therapy visits per year per member (like chiropractic, physical therapy, speech, occupational, vision, and respiratory therapy), subject to the program’s PRA and co-share rules.
Prescription savings
Prescriptions are shared after your PRA is met, with a structure that favors generics. Most generics around $10 or less may end up being free once the sharing rules kick in, and many medications are available at wholesale pricing.
Low, simple provider fees
Typical office visit fees look more like:
- Telehealth: $0 (excluding some mental health telehealth)
- Primary care: $50
- Specialist / outpatient services: $75
Urgent care / ER / inpatient hospitalization: usually a flat fee (for example, $150 in this model)
These fees don’t go toward your PRA, but they’re predictable.
Simplified provider billing
Providers bill the Healthcare Sharing organization directly. Bills are negotiated and repriced, often reducing the cost by a significant amount before the community shares
Note: Healthcare sharing can significantly lower your cost for fairly healthy individuals. However, it’s not ideal for everyone, especially if you have active, ongoing major pre-existing conditions and need guaranteed coverage.
Healthy habits rewarded
Some members can receive up to $150 per month in PRA discounts for things like gym memberships, wellness spending, or certain alternative therapies.
Any questions?
Ready to Explore Your Options?
If high premiums and confusing networks are wearing you down, and you want something more community-driven and friendly, Healthcare Sharing might be worth a look.
Through QuickStop Health, you can:
- Learn how Healthcare Sharing could work alongside your telehealth and in-person care.
- See example costs based on different PRA levels.
- Ask questions about pre-existing conditions, maternity, prescriptions, and more—before you make any decisions.
If you’d like to explore whether Healthcare Sharing is a good fit for you or your current season of life, this is a good time to look at your options.