MPowering Benefits

Low-Cost HSA-qualified Health Care Sharing Plan

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By Mike Montes – Updated Nov 7, 2022
Reviewed by Whitney Kline – Fact checked by Lou Spatafore

If you are looking for a program that offers the tax benefits of an HSA, along with the low costs of medical cost sharing, MPowering Benefits + Zion Health 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, you end up with a program that will save you a LOT of money. You’ll end up with 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

MPowering Benefits offers a Zion health-sharing program that pairs with an HSA-eligible MEC plan, which 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!

This is a special type of program 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, or 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. After paying your choice of either $1,000; $2,500; or a $5,000 payment for your Initial Unshared Amount (IUA), the program will share the rest of your expenses.

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 a $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 healthshares do not have premiums but instead have contribution amounts. Typically, these amounts are less than half 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 on 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.

Looking for help?

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

Medical cost sharing plans that can work with an HSA are becoming more popular as the cost of health insurance rises. Going with an HSA-eligible healthshare plan could be the best move for you and your family’s health and well-being.

Frequently Asked Questions (F.A.Q.)

Q: Who is eligible for the MPowering Benefits HSA-qualified health sharing plan?

A: MPowering plans are 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 like-minded individuals.

Q: How can the monthly contribution rates to the MPowering Benefits plans be so low compared to health insurance?

A: Health sharing plans tend to attract more health-conscious members, who have fewer healthcare needs. Because MPowering Benefits 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 you have a medical need outside of preventive care, you can select the provider or facility of your choice.

Present yourself as a cash-pay patient, pay the amount of your IUA, and asked 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.

Q: 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.

Mpowering Benefits Reviews Section

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Rated 4.2 out of 5
4.2 out of 5 stars (based on 22 reviews)
5 star50%
4 star27%
3 star18%
2 star0%
1 star5%

Signing up was easy!

Rated 4 out of 5
December 16, 2022

I did it through the HSA for America website. My agent Misty was awesome. Haven’t had to use the plan yet, but I’m saving hundreds per month compared to my old health insurance plan!

Warren, O

Works for me!

Rated 4 out of 5
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

Cost Sharing Took Over a Month

Rated 3 out of 5
August 3, 2022

These guys took too long getting me my reimbursement. They tried to tell me that the bill was ineligible so I had to call them a bunch. The payment did come through in the end but it took over a month. I really could have used that money a little earlier.

Sam B.

Direct Plan “Feels Like Real Insurance”

Rated 5 out of 5
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.

Jury is Still Out

Rated 3 out of 5
April 30, 2022

They’re okay, but the jury is still out on whether they’re the best. I’ve had a few times where I couldn’t really get a hold of the person I needed to. My sister has Medishare and she’s trying to convince me to switch. I guess I won’t really know until I need to make a share request.

Ron G.

“Really Easy” for Small Business

Rated 5 out of 5
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.

Good Cheap Plans

Rated 4 out of 5
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.


Rated 5 out of 5
March 3, 2022

The only healthshare I’m aware of that let me keep depositing to an HSA. It wasn’t super easy, but my advisor got that all setup with me in an hour or two. Now I’m taking the money I’m saving every month and putting it towards retirement. Would recommend.

Lorena V.

Shout out to the member assistance program

Rated 5 out of 5
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.

Paid all of my hospital bills!

Rated 5 out of 5
December 17, 2021

Had a knee surgery scheduled. My hospital bills were negotiated and paid in full prior to my surgery. No surprise bills, just my $1000 IUA, as advertised and promised. Super happy, great customer service.


Does not cover in my area

Rated 1 out of 5
December 3, 2021

All the providers here are out of network so they cover nothing here in Wyoming. Terrible plan for those who live in Wyoming.

Carmel B.

The only healthshare plan that accepted by DPC membership

Rated 4 out of 5
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.

Adviser said I needed something that was “HSA qualified”

Rated 5 out of 5
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.

Sharing payment was kind of slow

Rated 3 out of 5
November 9, 2021

It took them over a week to get back to me about my sharing request. Seemed like a long time. Then it was a few more weeks before it was fully processed. But the payment did come through, and the plan is working just like they say it does. A decent deal per-month I think.

Nathan K.

Small business plans with MPB

Rated 5 out of 5
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.

Best healthshare plan for people with prescriptions

Rated 5 out of 5
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.

Their group plan is working well for my employees

Rated 4 out of 5
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.

Mpowering Benefits has great member assistance programs

Rated 5 out of 5
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.

They do a great job helping to find cheaper prescription drugs

Rated 4 out of 5
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.

Not perfect, but beats Obamacare!

Rated 3 out of 5
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.

MPowering Benefits works well for my family

Rated 5 out of 5
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.

Great option for an HSA

Rated 5 out of 5
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.

1001-A E. Harmony Rd #519 Fort Collins, CO 80525
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