Impact Health Sharing
Newer Christian share (2020). Non-denominational statement of beliefs. Not insurance.
- Editorial score
- 73
- Methodology
- 2026.2
- Reviewed
- 2026-09-01
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.
Identity and structure
We separate the consumer brand from the organization that actually administers sharing, so two white labels of one program cannot look like two independent choices.
- Consumer brand
- Impact Health Sharing
- Underlying sharing organization
- Impact Health Sharing
- Program administrator
- Impact Health Sharing
- Underlying program group
- impact-core
- Membership standard
- Christian faith and lifestyle standards
- Sharing model
- Health-care sharing ministry
- Directory status
- Enrolling
- State exclusions (verified)
- No verified exclusion list
- Operating since
- 2020
- CMS-named HCSM
- No / not applicable
Best for
- Christians comparing newer ministries to the Alliance set
Not ideal for
- Anyone needing a long public operating history
- Secular households
Program facts
- Monthly share
- Household size, oldest member’s age, and chosen annual PRA. Confirm the current Impact calculator — we do not freeze a monthly number.
- Member responsibility (IUA)
- Annual household Primary Responsibility Amount, then 10% co-share until $5,000 of co-share is paid. PRA options include $2,500 / $5,000 / $7,500 / $10,000 (and $1,000 for members 65+).
- Household pricing
- One PRA for the household for the membership year. Not per person.
- State availability
- Confirm current geographic rules.
- Pre-existing conditions
- 36-month lookback. A condition is shareable only after 36 consecutive months without signs, symptoms, testing, diagnosis, treatment, or medication. Controlled hypertension/cholesterol are excepted for later vascular/cardiac events.
- Waiting / phase-in
- First 60 days capped at $50,000 (excluding pre-existing). Maternity needs a 10-month estimated due date.
- Maternity
- EDD at least 10 months after the mother’s start date. $150,000 cap per pregnancy event including complications to the mother.
- Preventive
- Annual well visit and a $150 lab allowance share at 100% without PRA. Other preventive screening is subject to PRA and co-share. Not an ACA mandate.
- Prescriptions
- May credit toward PRA if not treatment for a pre-existing condition. After PRA, sharing is limited ($1,200 per member per year in the June 2026 book).
- Virtual care
- Urgent-care telemedicine with a $0 provider fee is described as starting the first month.
- Provider access
- No network. Impact is always secondary to other coverage, including auto and workers’ comp.
- Limits
- $500,000 per member per membership year. Motorcycle incidents $100,000.
- Membership requirements
- Statement of Shared Beliefs & Ethics. Illegal-drug abstinence. EFT required. Age 65+ must have Medicare A & B (Part D for Rx).
- Cancellation
- Guidelines in force on the date of service govern, not the book in force when the member joined.
How this score was built
| Dimension | Weight | Score |
|---|---|---|
| Sharing scope and material limitations Household annual PRA then 90/10 co-share to $5,000. $500,000 per member per year. First 60 days capped at $50,000. Pre-existing: 36-month lookback; shareable only after 36 consecutive clear months. Maternity needs a 10-month EDD and is capped at $150,000. | 20 | 70 |
| Cost and member responsibility One household PRA for the membership year — clearer family math than a per-need IUA. Monthly share varies by household, age, and PRA. Not a quote. | 20 | 74 |
| Transparency and guideline clarity June 1, 2026 guidelines are public as PDF and as a searchable web page, with a 24-month change log. | 20 | 80 |
| Member support and advocacy Documented member center, welcome guide, and bill-repricing workflow. | 15 | 70 |
| Provider access and included services No network. Annual well visit and a $150 lab allowance share without PRA. Prescription sharing is capped after PRA. | 10 | 74 |
| Administration and operating history Founded 2020. Newer than the CMS-named ministries. Statement of Shared Beliefs & Ethics required. | 10 | 64 |
| Evidence freshness and completeness Reviewed the June 1, 2026 guidelines on 2026-09-01. | 5 | 82 |
Known limitations
- Faith / shared-beliefs standard is a hard filter, not a scoring penalty.
- A 36-month pre-existing lookback is material for anyone with a recent diagnosis.
- SourceImpact Health Sharing Guidelines (as of June 1, 2026)Effective 2026-09-01Reviewed 2026-09-01