Why Associations Should Add Health Sharing Plans To Member Benefits

By Wiley Long III, President – HSA for America
Reviewed by Lou Spatafore – Fact checked by Misty Berryman – Updated 4/25/2024

Recent regulatory changes allow associations to extend group health benefits to individuals, such as freelancers, independent contractors, and sole proprietors.

This allows these individuals to benefit from better group pricing through the association. But even with association plans, many freelancers, independent contractors, and self-employed association members still find themselves priced out of increasingly unaffordable health insurance products.

Furthermore, many people are discouraged by the narrow care networks imposed by major medical HMOs and PPOs. Most people appreciate the freedom to see the best doctors in their communities without having to worry about whether those doctors are in network.

Fortunately, there’s a better way:

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.

Health sharing plans are not insurance companies, but rather non-profit associations of like-minded, health-conscious people who agree to help share the unexpected medical bills faced by their fellow members.

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. 

Learn More About Health Sharing

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 special URL
Revenue sharing with your association

Learn More: How Much Can an HSA Save in Taxes?

Get to know us!

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.

It’s easy, fast, and free. Simply make an appointment with an HSA For America Personal Benefits Manager.

We’ll coordinate with 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 independent and small business members want and need an alternative to overpriced traditional health insurance.

And they want more health care freedom.

Don’t wait any longer: Make your appointment with HSA for America today.

HEALTH SHARING PLAN QUOTE

Health sharing plans are not insurance but a more affordable way to make sure your family is protected from unexpected medical expenses. Health sharing means that the group is helping to cover each other’s medical bills.

Choose your state below to get a free quote on our low-cost health sharing plan that will work with an HSA.