Impact Health Sharing membership
Newer Christian share (2020). Non-denominational statement of beliefs. Not 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.
- Consumer brand
- Impact Health Sharing
- Underlying sharing organization
- Impact Health Sharing
- Administrator
- Impact Health Sharing
- Underlying program group
- impact-core
- Editorial score
- 73 (2026.2)
- Reviewed
- 2026-09-01
- Status
- Enrolling
- State exclusions
- No verified exclusion list
Guideline 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
- 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+).
- Pre-existing
- 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 periods
- 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.
- Limits
- $500,000 per member per membership year. Motorcycle incidents $100,000.
- Cancellation
- Guidelines in force on the date of service govern, not the book in force when the member joined.
- SourceImpact Health Sharing Guidelines (as of June 1, 2026)Effective 2026-09-01Reviewed 2026-09-01