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What is a Healthshare?
A Community-Based Approach to Healthcare
They may go by many names, but the premise is the same: it’s a community-based approach to healthcare.
Instead of paying premiums to an insurance company, you become a member of a community that shares the cost of medical needs.
They’re designed for the routine care you know you’ll need like checkups, labs, and ongoing prescriptions, but will also provide peace of mind for those unexpected moments that happen to us all. indipop memberships do not function like traditional insurance, but they still keep you healthy and safe.
It’s another approach to manage your healthcare, and it’s especially popular with independent professionals, small business owners, and those who don’t get benefits through work.
Key Features:
- Monthly contributions (like a subscription)
- Includes preventive care
- No network restrictions
- Set, transparent costs for high-cost medical needs
- A concierge or care team to help guide you
Step 1 - Join a Community
When you join a medical cost-sharing group, you become part of a community of likeminded individuals who prioritize a healthy lifestyle and agree to membership principles. Your rate is not based on employment status, location, or earnings making it more flexible for a diverse workforce. So, you may be surprised to find your rate stays the same whether you live in Denver or relocate to Miami.
Healthshares come in many different types, it’s not one- size-fits-all. You might choose simple protection for high-cost medical events or explore options that include a broader range of services.
Step 2 - Accessing Services
This healthcare model relies on medical advocacy, concierge care, or dedicated member services to help you navigate and access care aiming to keep your out-of-pocket costs as close to $0 as possible. Some memberships assist with negotiating prices or quality shopping, while others may offer additional features that require you to use an app or member portal for easy access and management.
Step 3 - When Routine Care Turns Expensive
Sometimes, what starts as routine care can lead to unexpected high medical costs. That’s where healthshares truly shine. For major medical needs like accidents, hospitalizations, or surgeries, you’ll pay a fixed, predictable out-of-pocket amount called the Initial Unshareable Amount (IUA) before the healthshare community steps in to help with the rest of the eligible expenses.
You may pay up to three IUAs per year if you experience separate, unrelated medical events. However, if you’re continuing treatment for the same medical need into the new year, you won’t be required to pay the IUA again.
With no network restrictions and a transparent IUA structure, this model offers greater predictability, fewer surprise bills, and a more manageable way to plan for high-cost care compared to traditional insurance.
indipop healthcare memberships may include:
Seeking a specific feature? Ask us!
- Chiropractic
- Access to naturopaths
- Discounts gym memberships, health and wellness services.
- Discounted or $0 cost labs
- Mental health in person and virtual
- Dental/Vision/Lasik
Is it easy to get started? Yes!
- Month to month
- Individual/families
- Group 2+
- Travel with benefits
- HSA options
- Customize a membership
Top Questions
These memberships do not use deductibles. Instead, they use an Initial Unshareable Amount (IUA) the amount you’re responsible for when a high-cost medical need arises.
Unlike a traditional deductible that resets every calendar year, the IUA is tied to the medical need, not the date. So if you’re being treated for the same condition over several months even if it crosses into a new year you only pay the IUA once for that need.
Most healthshare memberships don’t have a traditional provider network like insurance companies. You can generally stay with your current provider, as long as they are willing to accept the healthshare’s payment at the usual and customary rates.
⭐️ All indipop healthshare memberships do not require of a statement of faith.
Some healthsharing organizations require:
Agreement with a statement of faith
Commitment to certain lifestyle choices, such as no tobacco or excessive drinking
Active participation in a religious community
Others are non-religious and more inclusive, focused on shared values like healthy living, mutual aid, or freedom of choice.
Tip: Read the eligibility fine print. If faith-based isn’t your thing, look for secular or lifestyle-based communities.
Yes! In fact, pairing a healthshare with DPC is a popular option. DPC covers everyday primary care, and the healthshare helps with unexpected high cost medical needs giving you a well-rounded alternative to insurance.
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