MPowering Benefits

Low-Cost HSA-qualified Health Care Sharing Plan

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MPowering Benefits

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, MPowering Benefits 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 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 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, 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 HSA-eligible healthshare plans 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.


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.

Still Have Questions?

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

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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749 S. Lemay Ave, Suite A3-116, Fort Collins, CO 80524
Telephone: 800-913-0172 | Fax: 970-999-0989
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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.