Why Associations Should Add Health Sharing Plans to Member Benefits
Affordable Non-Insurance Alternative to Traditional Group Health Insurance Plans
By Wiley Long III, President – HSA for America
Reviewed by Lou Spatafore – Fact checked by Misty Berryman – Updated 10/5/2024
View Healthshare Plans & Pricing in Your Area
Cut Your Member Costs in Half With an HSA-Compatible Health Sharing Plan
Members who enroll in a group health sharing plan still get significant help paying for large and even catastrophic medical bills – but at a fraction of the cost of a typical traditional group health insurance plan.
These innovative plans offer a much more affordable non-insurance alternative to traditional group health insurance plans.
Compatible With HSAs
Your members who are business owners, freelancers, independent contractors, or otherwise self-employed who sign up and who do not have other first-dollar medical coverage in place will be eligible to contribute tax-free dollars to a health savings account.
Revenue Sharing for Associations
Your association can benefit from every member who signs up.
You’ll receive ongoing commission payments for as long as your member remains with your association health sharing plan.
Easy Administration
Members can easily self-enroll in the program by accessing and submitting their information through your personalized, unique URL, streamlining the registration process and reducing administrative overhead.
What is a Health Sharing Plan?
What are the tax benefits of a Health Savings Account?
A health sharing plan is a non-profit, community-based alternative to traditional health insurance.
However, some general features of health sharing plans include:
- Sharing of medical expenses among members
- Freedom to choose providers without worrying about care networks
- Lower costs compared to traditional group health insurance
Note: Unlike traditional health insurance, health sharing plans typically impose a waiting period before they will share costs related to pre-existing conditions.
HSA for America Association Health Sharing At a Glance
Save up to 50% compared to unsubsidized traditional health insurance
No narrow care networks — use your plan with any doctor or provider
HSA Qualified
Catastrophic health sharing
Deep discounts on prescription drugs, labs, and imaging costs via the HSA AdvantageRx Card
Enroll any time — no limited open enrollment periods
24-hour telehealth service with zero copay
Easy administration — members self-enroll via your unique URL
24-hour telehealth service with zero copay
Revenue sharing with your association
Q: Why partner with HSA for America?
A: Easy administration. Offering health sharing to association members is easy and hassle-free.
✓ There are no complicated regulations or thick compliance handbooks for you to worry about.
✓ There’s no fiduciary liability involved in offering a health sharing alternative as is with ERISA health plans. Health sharing isn’t regulated under ERISA or the ACA.
✓ Your administration can be as hands-off as you like. All you need to do is provide a link to your members so they can self-enroll online.
✓ Your HSA Personal Benefits Manager is there to help members with any questions, and to assist with the enrollment process.
✓ We will also provide online presentations to help your members see the value of becoming a health sharing member.
Q: How do I get started?
A: Make a free appointment with an HSA for America Personal Benefits Manager.
We’ll coordinate the health sharing plan, and get you an easy-to-use, custom self-enrollment link exclusively for your members.
The revenue-sharing program applies to any of your members who sign up through that link. Meanwhile, your Personal Benefits Manager will be your primary point of contact for anything you need. You won’t get shunted around to a different call center rep every time you need to speak with someone.
Your PBM will be familiar with your organization and its membership and is available to help your members with any questions about their health plan and enrollment.
Your indepent and small business members want and need an alternative to overpriced traditional health insurance.
View Healthshare Plans & Pricing in Your Area
We’ve helped over 16 thousand people find health insurance or a health sharing plan.
Each customer gets the same amazing service.
I am glad to have found something that works with my budget, which I was very concerned about with the marketplace.
In my state, there is only 1 provider left, and they were asking for an astronomical increase in premium that I was afraid I would not be able to afford and still pay my bills. It’s not good to be the only game in town, because without competition they can charge whatever they want without caring about the people they are supposed to be serving, so again, thank you for giving me an option called healthshare programs.
D. Nelson
I am very pleased with information and options I could discuss with Justin.
My wife and I were facing premiums with Florida Blue that were increasing to $22,000 this next year. With the medical cost sharing plan we chose, we are saving over $9000!!! The healthcare sharing plan covers us on travel which is huge for us. You are running a great service providing options for healthcare.
J. White MD
Find the perfect healthshare plan for your medical needs today with HSA for America.
Need Assistance?
Get Help in Figuring Out the Best Plan for You
Schedule a free appointment with our Personal Benefit Managers. It’s fast, friendly and easy with no obligation.
Need a Quote?
View Healthshare Plans & Pricing in Your Area
Available Plans | HSA Info | Healthshare Info | FAQS | Blog | About Us | Contact Us | Agents Needed
Disclaimer: All information on this website is relayed to the best of the Company's ability, but does not guarantee accuracy. Information may be out of date. The content provided on this site is intended for informational purposes only and does not guarantee price or coverage. This site is not intended as, and does not constitute, accounting, legal, tax, and/or other professional advice. Determination of actual price is subject to Carriers.