Birthday of the oldest person applying

How many family members are applying?

Include yourself in the total.

You are eligible to enroll in Impact's Senior Program, which works alongside Medicare Parts A & B.

At age 65, members must enroll in Impact's Senior Program, which works alongside Medicare Parts A & B. You may apply up to 60 DAYS BEFORE YOUR 65th birthday to help align the start of your Senior Program membership with Medicare.

The age submitted is under 18. An adult can create a "Guardian Membership" in which the adult stewards and pays for the membership. Pricing is the same for all ages 18 and under.

Your Program Options

Frequently Asked Questions

What is the Annual PRA?

Your Annual Primary Responsibility Amount is what your household pays each year toward eligible medical bills before those bills become eligible for sharing with the member community. You choose the level that fits your needs and budget. A lower Monthly Share comes with a higher PRA, and a higher Monthly Share comes with a lower PRA.

What is the Co-Share?

Once your annual PRA is met, eligible medical bills are shared by the community at 90%. You pay the remaining 10%, called your co-share, up to a maximum of $5,000 per household each year.

What could potentially change my monthly costs?

Tobacco or vaping use. Members who use tobacco or vape pay a $50 monthly Tobacco Assessment.

BMI assessment. If anyone on your program qualifies, an additional $125 will be added to your Monthly Share.

Both are confirmed during enrollment, so your final Monthly Share may differ from the amount shown here.

How does the sharing work?

Impact is a nonprofit healthcare sharing community, not insurance. Members contribute a Monthly Share, and the community shares eligible medical bills together.

Not every medical expense is eligible for sharing. The Guidelines explain how sharing works and what's eligible. To enroll, you'll agree to the Guidelines and the Shared Beliefs and Ethics, so it's worth reading them first. Read the Guidelines

Where should we send it?

We'll email your saved quote so you can come back to it whenever you're ready.

First name Email address

✓

Your quote is on the way

Before you enroll, read the Guidelines to understand what's eligible for sharing.

What’s Included

Comprehensive Care + Complimentary Extras ($0 Extra Cost)

Available starting day one, at no extra cost members get:

Annual Wellness-w

Annual Wellness Visit + Routine Labs Shared 100% by the community

Virtual Telehealth-w

Virtual
Telehealth Unlimited virtual visits 24/7/365

Virtual
Teletherapy 3 three short-term therapy sessions per month

Prescription Savings $0 Generics ($10 and under) + more savings

Dental & Vision Savings-w

Dental & Vision Savings Discounts on dental and vision services

Concierge
Service Impact coordinates payment for annual wellness visits

Wellness
Rewards Get rewarded for healthy lifestyle purchases

Understanding Your Pricing

AdobeStock_882413998

Annual Household Primary Responsibility Amount (PRA):

The total your household pays each year toward eligible medical bills before additional expenses become eligible for sharing with the member community. Choose from four options to find the level that best fits your needs and budget.

Co-Share:

After your annual PRA is met, eligible medical bills are shared by the community at 90%. You’re responsible for the remaining 10%, called your co-share, up to a maximum of $5,000 per household each year.

Your Monthly Share Amount May Increase Under the Following Circumstances:

BMI Assessment

If anyone on your program qualifies, an additional $125 will be added to your Monthly Share.

Tobacco or Vaping Use

Members who use tobacco or vape will pay a $50 monthly Tobacco Assessment fee.

Member Requirements

Impact is a non-profit organization, rooted in Christian values, and guided by the principle of ‘love thy neighbor,’ and therefore, we welcome all who share a belief in community and helping others, regardless of religion or creed. To enroll, you must agree to our Guidelines and our Shared Beliefs and Ethics.

Additional Savings for Your Healthy Lifestyle

Do you have a gym membership?

Do you take supplements?

Do you get massages or acupuncture?

Do you have a Direct Primary Care membership?

Do you have a fitness subscription/app like Peloton, or wearables (Hume, Oura, Whoop)?

If you answered 'YES' to any of the above, or invest in a healthy lifestyle in other ways, as an Impact member you can reduce your annual responsibility amount up to $150/month, per household. Because taking care of yourself should be rewarded.

Wellness Rewards are not cash rewards, they applied to reducing your annual household responsibility amount, per month, per household. Not applicable for the Senior program.

Impact for Seniors 65+

For Seniors 65 and older, Impact works alongside Medicare Parts A & B to help fill the gaps that Medicare allows but does not fully pay.

Affordable Monthly Costs. Senior memberships start at $96/month for ages 65–69.
Keep Your Doctors. See any doctor or hospital that accepts Original Medicare. No separate provider network.
No pre-existing condition limitations for Seniors.
Simple, Predictable Sharing. After a $1,000 annual Primary Responsibility Amount (PRA) is met, sharing by the community begins.
Complimentary Value for $0 Extra. Starting day one, get access to 24/7 virtual care, short-term teletherapy, prescription savings, and discounts on dental and vision services.

Impact Health Sharing is not insurance or a Medicare Supplement policy. The Senior Program works with Original Medicare Parts A & B, not Medicare Advantage. Part D is required for prescription sharing.

Healthcare Built for People, Not Profits

While healthcare sharing has existed for nearly 50 years, Impact is redefining it.

Impact Health Sharing is not insurance. We are a 501(c)(3) nonprofit healthcare sharing community.

It's an alternative community approach where each member contributes a monthly amount, and when a member has an eligible medical need, as defined in our program Guidelines, funds are seamlessly shared through our technology platform.