MPowering Benefits

Low-Cost HSA-qualified Health Care Sharing Plan

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If you are looking for a program that offers the tax benefits of an HSA, along with the low cost of a medical cost sharing plan, this is it!

By combining an HSA-qualified health insurance plan that covers preventive care, with a health sharing program that shares 100% of qualified expenses after the initial shared amount, at the doctor of your choice. The result is lower monthly costs, lower income taxes, a growing rainy-day HSA fund, and more money in your pocket.

How Does MPowering Benefits Help?

Take Charge of Your Health with MPowering Benefits

Take Charge of Your Health

MPowering Benefits offers an HSA-eligible partially self-directed healthshare plan that allows you to take charge of your health, choose your provider, and ‘share’ in the coverage of your approved medical expenses through the network.

MPowering Benefits + HSA Combined = Savings!

MPowering Benefits + HSA Combined = Savings!

This is a special type of plan since it’s a healthshare combined with a health savings account (HSA). An HSA is a type of savings account that lets you set aside money on a pre-tax basis to pay for qualified medical expenses.

The money in your account grows tax-deferred if not used, just like an IRA. It can be kept in a savings account or invested in stocks, mutual funds, and other assets.

This great alternative not only provides more options in providers (doctors, specialists, etc.) but also helps keep the overall cost of medical care down for its members.

How Can an HSA work with Medical Cost Sharing?

HSAs are only available to people who have an HSA-qualified health insurance plan. Since health sharing is not health insurance, how does this work?

Everyone who joins this program is actually joining two distinct programs. The first is the health sharing program. This program will share expenses after your choice if a $1000, $2500, or $5000 Initial Unshared Amount (IUA).

The second part of the program is an HSA-qualified health insurance plan, that covers your preventive care. This includes checkups, periodic tests like mammograms or pap smears, and other specific services, all with $0 co-pay.

MPowering Benefits Offers Affordable Rates

This program is surprisingly affordable, especially for those over age 30. Just like other healthshare programs, these HSA-eligible healthshare plans do not have premiums but rather contribution amounts. Typically, these amounts are half or less than the cost of an unsubsidized health insurance policy.

The monthly contribution can start for as low as $194. These rates vary depending on the number of members in the plan, as well as the initial unshared amount (IUA). The IUA is the amount you pay prior to your medical bills being shared by the community at 100%. IUA choices are $1000, $2500, or $5000.


Frequently Asked Questions (F.A.Q.)

Q: Who is Eligible for this HSA-qualified health sharing plan?

A: This plan is available to anyone. No one is declined based on prior medical conditions, or religious beliefs.

MPowering Benefits maintains solid expectations and standards for its members, which helps to ensure it’s available to those like-minded individuals.

Q: How can the monthly contribution rate be so low compared to health insurance?

A: Health sharing plans tend to attract more health conscious members, who use less health care. Because this healthshare allows members to use any doctor, they negotiate directly with the provider in order to get the best pricing possible.

Q: How does MPowering Benefits work when I have a medical expense?

A: As a member, you’ll receive a monthly invoice. When a medical need arises, except preventive care, you can select the provider or facility of your choice.

The provider will then submit the medical bill to the company and you’ll receive an explanation of the sharing of that cost, including any amount you’re responsible for as a co-pay.

Got Questions?

Partially self-directed healthcare plans are becoming more popular as the cost of health insurance rises. Going with an HSA-healthshare plan could be the best move for you and your family’s health and well-being.

To see what plans are available for you right now, call one of our Personal Benefits Managers at 800-913-0172.


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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.