Featured recommendation
MPB Health
Secular health-sharing memberships with selectable IUA-style member responsibility. White-labeled variants should map to this underlying program, not appear as separate alternatives.
- Editorial score
- 75
- Methodology
- 2026.1
- Reviewed
- 2026-08-27
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.
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.
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
- MPB Health
- Underlying sharing organization
- MPB Health sharing organization
- Program administrator
- MPB Health (program administrator)
- Underlying program group
- mpb-core-share
- Membership standard
- Secular — no statement of faith
- Operating since
- 2011
Best for
- Households that want a secular program
- People comparing IUA options and HSA-oriented designs
- Readers who want a documented quote path after comparison
Not ideal for
- Anyone who needs a legal guarantee of payment
- People who need ACA essential-health-benefit protections
- Households that require immediate sharing of known pre-existing needs
Program facts
- Monthly share
- Varies by household, age band, and selected IUA. See current MPB materials — we do not publish a frozen dollar quote.
- Member responsibility (IUA)
- Initial unshareable amount options. Member pays IUA per eligible need before sharing.
- Household pricing
- Priced by household composition and age band.
- State availability
- Generally available in most states; some states limit or notice health sharing. Check state notices.
- Pre-existing conditions
- Pre-existing needs typically phase in or remain limited. Confirm the current guideline version.
- Waiting / phase-in
- Waiting or phase-in periods apply to some needs.
- Maternity
- Maternity sharing, if offered, usually has a waiting period. Confirm the current guideline.
- Preventive
- Preventive and routine items may be member responsibility or limited. Not an ACA preventive mandate.
- Prescriptions
- Rx pathways, if offered, are program-specific partners — not a formulary guarantee.
- Virtual care
- Virtual care may be bundled or optional. Confirm current partners.
- Provider access
- Typically any provider. Sharing is not a network contract and balance-billing risk remains.
- Limits
- Per-need or annual sharing limits may apply. Read the unshareable list.
- Membership requirements
- No statement of faith. Healthy-lifestyle expectations may still apply.
- Cancellation
- Membership can generally be started or ended outside federal Open Enrollment. Confirm current cutoff rules.
How this score was built
| Dimension | Weight | Score |
|---|---|---|
| Sharing scope and material limitations Secular membership with published IUA options and waiting/phase-in rules that still exclude or delay some needs. | 20 | 74 |
| Cost and member responsibility Public materials emphasize lower monthly shares than typical ACA silver premiums; exact contribution is household-specific. | 20 | 78 |
| Transparency and guideline clarity Guidelines are published for members; public site explains IUA and sharing language more clearly than many peers. | 20 | 76 |
| Member support and advocacy Documented member and advisor channels. We do not treat marketing testimonials as evidence. | 15 | 72 |
| Provider access and included services Positions as no-network sharing plus virtual/Rx add-ons. Confirm current partners in the live guidelines. | 10 | 80 |
| Administration and operating history Operating since 2011 as a health-sharing organization. Not a licensed insurer. | 10 | 74 |
| Evidence freshness and completeness Scored from the public site and known guideline structure. Full guideline PDF should be re-verified at each version bump. | 5 | 70 |
Known limitations
- Featured commercial partner. Score is editorial; placement is commercial.
- Exact monthly share and IUA tables were not copied from marketing pages.
- SourceMPB Health public siteEffective 2026-08-27Reviewed 2026-08-27