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Health Sharing Report

Health sharing versus fixed-indemnity products

Fixed-indemnity pays a scheduled cash amount per event. Sharing asks the community to share eligible bills. Neither is comprehensive medical insurance.

Health sharing is not insurance. Programs are not legally required to pay medical expenses and do not have to provide Affordable Care Act protections. NAIC consumer guidance.

Payment shape

Indemnity pays a fixed benefit (for example per hospital day) regardless of the bill. Sharing may share remaining eligible amounts after an IUA — if the need is eligible.

Regulation

Indemnity is usually an insurance product. Sharing is not. Do not shop them as identical SKUs.

Health Sharing Report has a commercial relationship with MPB Health. We may be compensated when a reader requests an MPB quote. That relationship does not change editorial scores. How we make money.