HSA Secure Plans

The tax benefits of an HSA, with the low costs of medical cost sharing!


By Whitney Kline – Updated Oct 8, 2024
Reviewed by Lou Spatafore – Fact checked by Wiley Long

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All You Need To Know About HSA Secure

HSA Secure—a healthcare solution that puts you in control of your health and your savings.

HSA Secure empowers you to make the most of your healthcare dollars. It combines a special HSA-qualified minimum essential coverage (MEC) insurance plan, with a low-cost healthshare

This allows members to enjoy the benefits of health sharing while still retaining their eligibility to contribute pre-tax dollars to a health savings account (HSA).

HSA Secure is more than just a plan; it’s the smart, flexible way to take charge of your health and your finances.

Learn more: Download the PDF Brochure.

Tax-Advantaged Savings:

Contribute pre-tax dollars to an HSA for qualified medical expenses, reducing taxable income.

Tax-deferred Investment Growth:

Deposit funds into your Health Savings Account, or move them into investments such as mutual funds. Funds grow tax-deferred. 

Tax-free Withdrawals:

Withdrawals used to pay for medical expenses are tax-free. 

Catastrophic Protection:

Provides financial protection against significant medical expenses, ensuring peace of mind for unforeseen health events.

Lower Monthly Costs:

Health sharing plans typically cost 50 – 60% less than health insurance.

Flexibility and Control:

See the doctor of your choice, with no required networks.

Predictable Costs:

HSA tax savings make healthcare budgeting simpler and more predictable.

Get a Quote & Enroll in HSA Secure Today

Join the hundreds of thousands of HSA Secure plan members that have discovered HSA Secure works for their family’s healthcare needs.


  1. Select your State, and then click the INSTANT QUOTE button.
  2. You’ll be asked to enter some basic information about your age, your location, and the size of your household. Just follow the prompts at each screen.
  3. Click Submit to view quotes.
  4. Once you review your quotes, click the Apply Now button.
  5. On the following screen, click the ENROLL TODAY! button.
  6. Follow the instructions on the next page to signup.

Choosing the Right Healthshare Plan for You

View the plan features of HSA Secure Plans

Plan Features HSA Secure
Deductible/IUA $1000, $2500, $5000
HMO/PPO Network Required? Any doctor or hospital
ER After initial out-of-pocket
Dr. Visits After initial out-of-pocket
Preventative No limits
Maternity No limits
Rx Coverage Concierge Pharmacy Benefit Program

HSA Secure Pros & Cons

Thinking of switching to HSA Secure? Here are pros and cons to be aware of.

HSA Secure Pros

  • Tax Advantages: Contributions to an HSA are tax-deductible, and funds can be used tax-free for qualified medical expenses—benefits not typically offered by health sharing plans.
  • Personalized Care: You can use your plan with any provider you choose. You are in control of your health care. However, if your chosen physician charges more than the usual and customary amount in your area for any given medical procedure, the plan may limit sharing to that amount.
  • Preventive Care: All preventive services recommended under the Affordable Care Act (ACA) are covered 100% with zero deductible, under the MEC. 
  • Investment Potential: HSA funds can be invested, allowing your savings to grow over time, and providing long-term financial benefits that most health sharing plans do not offer.
  • No Cap On Potential Sharing Benefits: The HSA SECURE plan does not cap annual or lifetime cost sharing, and there is no maximum sharing amount for most members.

HSA Secure Cons

  • Waiting Periods on Pre-existing Conditions: There are waiting periods before expenses for pre-existing conditions will be shared, so this program will not be right for everyone.
  • Restrictions on Non-Medical Use: HSA funds are strictly for medical use, and there is a penalty imposed for non-qualified withdrawals.
  • Not Available to Everyone:  The HSA Secure is only available to self-employed, independent contractors, or small businesses. 
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Frequently Asked Questions About HSA Secure

[HSA Secure FAQ]

HSA Secure FAQ IconQ: How are pre-existing conditions handled?

A: Expenses for pre-existing conditions are not shared for the first 12 months.

In year two up to $25,000 will be shared; year three $50,000; and for years four and beyond the program will share in up to $125,000 per year.

Exceptions: High blood pressure, high cholesterol, and diabetes (types 1 and 2) will not be considered pre-membership medical conditions as long as the member has not been hospitalized for the condition in the twelve months prior to enrollment and is able to control it through medication or diet.

FAQ Icon

Q: How does an HSA work?

A: HSAs offer significant tax advantages that can help you save money.

First, contributions to an HSA are tax-deductible. This means that you can reduce your taxable income by the amount you contribute.

Second, the money grows tax deferred, just like money in an IRA or 401(k).

And finally, any money you withdraw from the account to pay for qualified medical expenses is tax-free.

The result is that you can get significant tax savings now, and build savings in a special tax-favored account that you can use for future medical expenses, with money that will never  be taxed!

HSAs are not just  for those in higher tax brackets, but they are fantastic for anyone who is willing to fund their account every year. (The maximum amount you can contribute in 2025 is $4,300 for an individual, and $8,550 for a family. $1,000 more than that if you’re over 55).

You can use your HSA money to pay for any type of medical expense, from second opinions or special tests, to natural or alternative treatments.

Click here to read more about the benefits of HSAs and how to set one up

HSA Secure FAQ Icon

Q: Who is eligible for the HSA Secure (HSA-qualified) health sharing plan?

A: This plan is available to small businesses, and anyone who is self-employed, an independent contractor, or who otherwise has self-generated income.

No one is declined based on prior medical conditions, or religious beliefs. However, sharing for costs related to pre-existing conditions may be limited, as explained below.

HSA Secure FAQ Icon

Q: How can the monthly contribution rates to the HSA Secure plan be so low compared to health insurance?

AHealth sharing plans tend to attract more health-conscious members, who have fewer healthcare needs. They also may put waiting periods on pre-existing conditions, and they do not share for all the same expenses that health insurance plans are required to cover. For example, healthsharing plans typically won’t share bills related to illegal or deliberate drug overdose or for injuries related to the member’s drunk driving.

faq icon

Q: How does HSA SECURE work when I have a medical expense?

A: When you have a medical need outside of preventive care, you can select the provider or facility of your choice. You aren’t limited to any particular care network.

Present yourself as a cash-pay patient, pay the amount of your IUA, and ask to be billed for the balance. Then submit the medical bill to the company and you’ll receive an explanation of how the cost will be shared, including any amount you’re responsible for as payment towards your IUA.

In most cases, your HSA custodian will provide you with a special debit card. You can use this debit card to pay for any up-front medical expenses, such as your initial unshared amount.

We’ve helped over 16 thousand people find health insurance or a health sharing plan.

Each customer gets the same amazing service.

Lou (Personal Benefits Manager) made me feel comfortable with the new concept of Health Sharing by being himself, honest, and sharing his own experiences.

Neil DeFrancisco, MD

Mike Montes (Personal Benefits Manager) is my go-to referral for my clients.

Daniel DuBois, TN

Misty Berryman (Personal Benefits Manager) was fantastic to work with! I explained our situation/needs to her and she went through a number of options very thoroughly. We (Misty and I) worked through each of our options and determined the best path forward for my family. She is the best and any time we are in need for insurance, she will be our first call!

Travis Lawler, TX

The process of how everything went through the process and with Leslie (Personal Benefits Manager) was great! Things went smoothly and promptly, and all the information I needed was construed concisely.

Ted Chiero, WI

Whitney Kline (Personal Benefits Manager) was amazing and went far above my expectations in customer service. She answered every question and so far everything has been just like she said it would be!!! thank you

Wendy Skeesick, LA

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 Assistance?

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Read HSA Secure Reviews

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4.3
4.3 out of 5 stars (based on 22 reviews)
5 star50%
4 star36%
3 star9%
2 star5%
1 star0%

HSA Secure: The Total Package!

September 18, 2024

HSA Secure has earned my 4-star rating with its total package approach! The integration of a special HSA-qualified MEC insurance plan and a low-cost catastrophic healthshare is a brilliant strategy. I’m not only getting comprehensive health coverage but also the opportunity to make tax-deductible contributions to a health savings account (HSA). The cost-effectiveness, coupled with the tax benefits, makes HSA Secure the complete solution for my health and financial well-being. I’m grateful for the peace of mind and savings it brings to my healthcare journey.

Ted Z

Flexibility and savings potential

May 15, 2024

This unique health sharing plan not only provides comprehensive coverage but also allows me to make tax-deductible contributions to a health savings account (HSA). The combination of a special HSA-qualified MEC insurance plan and low-cost catastrophic healthcare is a brilliant approach. I appreciate the flexibility and savings potential that HSA Secure offers. I feel secure in my health plan and optimistic about the financial benefits it brings.

Hudson

Smart Health, Smart Savings!

March 14, 2024

HSA Secure gets a well-deserved 4 stars from me! The ability to contribute pre-tax dollars to a health savings account (HSA) sets this plan apart. The combination of a special HSA-qualified MEC insurance plan and a low-cost catastrophic healthshare is a smart solution for both health and savings. The cost-efficiency and comprehensive coverage provide peace of mind, and the tax benefits sweeten the deal. HSA Secure is a smart choice for anyone looking to optimize their health plan while maximizing their savings potential.

Merekel P

Balancing Savings and Security!

January 8, 2024

I recently purchased the HSA Secure plan, and I must say it’s a game-changer! The combination of a special HSA-qualified MEC insurance plan and a low-cost catastrophic healthshare allows me to enjoy the best of both worlds. The tax benefits of contributing to a health savings account (HSA) are a huge plus, giving me the opportunity to save pre-tax dollars for future medical expenses. The seamless integration of cost-efficiency and robust catastrophic care protection makes HSA Secure stand out. I feel confident in my health coverage and financial planning.

Fletcher Weatherby

We love HSA Secure!

September 21, 2023

We were on the program for two years when my son got hit on his skateboard by a hit-and-run driver. He had two broken ribs, a broken wrist and a concussion. Mpowering came through for us. Yes, I had to pay my sharing amount but I expected that. Mpower paid the rest right away. Thank God the injuries weren’t worse!

Ingrid B
Verified

LOVE MPB HEALTHSHARING!

April 16, 2023

They’re saving me hundreds of dollars a month health insurance is a total ripoff.

Ruth J
Verified

Watch out for "pre-existing" conditions!

January 31, 2023

First, yes, Mpowering Benefits/Zion Healthcare is cheaper than health insurance. My family saved almost 500/month by using MPB.

They did really well after my daughter was injured playing softball and had to go to the ER after getting a concussion in a home plate collision.

But when my husband had a heart attack, they turned down the claim. They said it was “pre-existing.” But he had never been diagnosed with any heart problems. He’d never taken any heart medications, or even high blood pressure medications. He told the doctor he had been feeling easily fatigued before the heart attack. So so far we’’ve got a $98,000 bill from the hospital and another $7,000 bill from the cardiologist and they’re not sharing.

We’re appealing. But their definition of “pre-existing” is absolutely ridiculous.

Ellen L
Verified

Works for me!

October 13, 2022

I’m a self-employed freelancer and Mpowering benefits was just what the doctor ordered! They have a package designed especially for solo freelancers. I like the fact that it has no caps on annual or lifetime sharing!

Shannon Y
Verified

Direct Plan “Feels Like Real Insurance”

June 11, 2022

I’m in the ‘Direct’ plan, and so far it’s fantastic. I get to see my doctor whenever I want. This feels like real insurance, but I’m still only paying about $300 between my DPC and MPB.

Gabriel D.
Verified

“Really Easy” for Small Business

April 27, 2022

I got MPB setup for my company last year. We just had to deal with our first sharing request, and it was really easy. I only have a few employees but so far they’ve all been happy to sign up for the plan, and I get to choose exactly how much to contribute.

Marla Y.
Verified

Good Cheap Plans

March 21, 2022

Healthcare in this country is ridiculous. Mpowering is at least making it a little more affordable. They have a couple of good cheap plans to choose from. I think we will keep them for now.

Miguel D.
Verified

Shout out to the member assistance program

January 10, 2022

MPB Health’s member program is really impressive. All members have access to free counseling, stress management, and substance abuse stuff. And it’s free for members. That’s what healthshare is about I think, helping each other out, making things better for us all.

Adam K.
Verified

The only healthshare plan that accepted by DPC membership

November 30, 2021

I’ve been with the same primary care doc for a few years now, and I am never going to change. When he started offering DPC, we jumped on board. Then he told me that you can add a MPowering plan to DPC just for the big stuff. Feel good because I’m still paying less than with insurance.

Estrella A.
Verified

Adviser said I needed something that was “HSA qualified”

November 15, 2021

I sure as heck wasn’t going to stick with my old insurance plan anymore once my subsidy was canceled. Almost my whole promotion was wiped out by how much more I was paying in premiums. My MPB healthshare works with my HSA … So I was like, buh-bye insurance.

Blake J.
Verified

Small business plans with MPB

October 28, 2021

I’ve got a small furniture store in the country and got a Mpowering plan for the company. There’s only about 10 of us but I wanted to keep everyone happy and healthy in any way I could. What’s really great is that I can choose exactly how much I want to contribute each month.

Jim T.
Verified

Best healthshare plan for people with prescriptions

October 4, 2021

Between my wife and I we’ve got a bunch of different prescriptions. Our medical costs were going way up which is why we switched to MPB. The online pharmacy is an awesome tool … I can track all of our medicine right there in one place, and see which pharmacies have the best prices.

Dameon S.
Verified

Their group plan is working well for my employees

September 19, 2021

I have my employees signed up for a Group plan with MPB healthshare. It was a heck of a lot easier than getting a group insurance plan started, and it was less than a month before our program went into effect. Some of my employees were a little unsure about health sharing in general, but now that they’ve seen how it works, I think they’re pretty happy. I’ll have to switch to traditional insurance if I ever have more than 50 employees, but for now, I think this is a great fit.

Jonathan B.
Verified

Mpowering Benefits has great member assistance programs

September 13, 2021

I’m blown away by MPB’s member assistance programs. Beyond the protection you get from the medical cost sharing, members also can get help with stress, grief, bereavement, substance abuse, and even marital issues. As a mental health professional, I think it’s fantastic that healthshare companies are starting to give their members access to critical programs like these without charging any extra.

Julia T.
Verified

They do a great job helping to find cheaper prescription drugs

September 2, 2021

MPB has done a great job of helping me find cheaper prescriptions. Their online pharmacy page shows me where I can find the lowest prices, and exactly how much it’s going to cost me when I get to the counter. I can also track all the medications I’ve purchased and see the full history whenever I want. They even helped me find a more affordable asthma inhaler from overseas.

Dan P.
Verified

Not perfect, but beats Obamacare!

August 28, 2021

I’ve been with MPowering for a while now. The last time I called them it took over a week for them to get back to me. I wish they’d move a little bit faster, but overall, all of my health costs have been shared just like they said they would. At the very least, it’s a lot better than being forced into an Obamacare plan.

Ned T.
Verified

MPowering Benefits works well for my family

August 21, 2021

This is one of the only healthshare companies that said they would work with my Direct Primary Care doctor. I’ve been doing direct care for almost a year now, and it’s helped get me into the best shape of my life. Now, with MPB Direct, I can also stay protected against emergency costs if I ever get into an accident.

John T.
Verified

Great option for an HSA

August 13, 2021

I switched to MBP health sharing when I found out that I could also have an HSA. I’ve been wanting to ditch Obamacare for years but I didn’t want to lose out on that part of my investment portfolio. My agent helped me combine an MPB health sharing program with a minimum benefits plan, which allowed me to keep using an HSA just like before.

Sylvia J.
Verified
 
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