Lower-cost healthcare options, explained
Find your healthcare matching plan
without overpaying for coverage you don't need.
Learn how health care sharing, HSAs, fixed indemnity, short-term and critical illness plans actually work — then talk to a licensed agent or ministry rep when you're ready.
I’m looking for a agent
I'm comparing low-cost healthcare options
Answer a few quick questions — what you need, what’s in the way, how you like to meet. We match you with agents who fit.
Talk to a licensed agentI’m a agent
I'm a licensed agent or ministry rep
A verified profile, members matched to your specialties, programs and events, and your own back office and CRM.
Get exclusive referralsHow matching works
Start with what you need — we’ll find the agent.
01
Tell us what you need
What you’re looking for, what’s in the way, and how you like to meet — phone, video call and in person.
02
We match on fit
Specialties, the people they work with, credentials and format.
03
You choose who to hear from
See why each agent fits. Pick who may contact you — nothing is shared without your say-so.
3 areas of focus
Health care sharing, Low-cost coverage and Access & savings.
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Where do you want to start?
Health care sharing ministries
What health care sharing ministries are, how they differ from insurance, and who they fit.
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HSAs & high-deductible health plans
How HSA-eligible high-deductible plans and tax-advantaged savings work together.
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Fixed indemnity plans
Scheduled-benefit plans that pay a set amount per visit, stay or service.
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Short-term health insurance
Temporary medical coverage for gaps between jobs or plans.
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Accident & critical illness insurance
Lump-sum plans that pay for an injury or a serious diagnosis like cancer, heart attack or stroke.
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Direct primary care
Flat monthly membership for primary care, paired with coverage for the rest.
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Discount health cards
Membership discount programs for prescriptions, dental and vision — not insurance.
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Who we help
Wherever you’re starting from.
Self-employed & gig workers
a lower-cost alternative to buying an ACA plan alone
Early retirees (pre-Medicare)
to bridge the years before Medicare without full-price premiums
Young & healthy households
low monthly costs plus protection against a worst-case bill
Families between jobs
temporary coverage during a gap
Small business owners
lower-cost options to offer or buy outside group insurance
Faith-based households
a faith-based cost-sharing community instead of traditional insurance
High-deductible households
to fill the gaps a high-deductible plan leaves open
Honest listings
Agents, clearly labeled.
- Credentials shown plainly. Licenses, certifications and trainings are listed as each agent provides them and checked where possible.
- You stay in control. Nothing you share goes to a agent until you choose who may contact you.
- Your details stay private. We don’t sell your information.
- No miracle promises. Agents may not promise guaranteed outcomes.
For agents
Your business, with a back office.
A verified profile, members matched to your specialties, programs and events, and a CRM to follow up.
Matched requests
People choose you — you have 48 hours to reach out.
Your own CRM
Every request, stage, note and follow-up in one place.
Programs & events
Sessions, group programs, workshops and courses.
Credential badge
Licenses, certifications and trainings shown clearly.
Agent listing
Free
3 specialties · Be found in the directory
ZIP Exclusive
$1,500/mo
8 specialties · Every referral in your ZIP code — exclusively yours
State Exclusive
$4,500/mo
8 specialties · Every referral in your state — exclusively yours
Nationwide Exclusive
$32,500/mo
8 specialties · Every referral nationwide not held by a ZIP or state partner
0 agents · 0 programs & events
Questions
Frequently asked questions
Is a health care sharing ministry the same as health insurance?
No. Health care sharing ministries are not insurance and are not regulated as insurance in most states — members voluntarily share each other's medical bills, with no legal guarantee that any bill will be paid, and many programs exclude pre-existing conditions.
What is a fixed indemnity plan?
A fixed indemnity plan pays you a set, scheduled amount for a covered event — like a hospital admission or a doctor visit — regardless of the actual bill, and it is not a substitute for major medical coverage.
Can I use a Health Savings Account with any health plan?
No — an HSA requires an HSA-eligible high-deductible health plan (HDHP); contributions are tax-advantaged and funds can be used for qualified medical expenses at any time.
How long can I stay on a short-term health plan?
Short-term health plans are meant to bridge gaps and have limited terms and renewal rules that vary by state, so check the policy for its maximum duration and whether renewal is guaranteed.
What does critical illness insurance pay for?
Critical illness insurance pays a lump-sum benefit if you're diagnosed with a covered condition, such as cancer, heart attack or stroke, that you can use for any purpose, including costs a sharing plan or high-deductible plan won't cover.
Is direct primary care a replacement for health insurance?
No. Direct primary care is a monthly membership for primary care access, not insurance, and most members pair it with a sharing plan, HDHP or other coverage for hospitalization and specialty care.
Are medical discount cards a type of insurance?
No. Medical discount cards and dental or vision discount plans are membership programs that provide negotiated discounts, not insurance, and they don't guarantee any payment toward your care.