Legal
Terms of use
Updated 2026-08-27
What this site is
Health Sharing Report is an independent publication about medical cost sharing. We publish education, comparisons, and scores produced under a published methodology. Published by ARYX LLC. This site is a publication, not a health-share membership or an insurer. Who owns the site, and how that owner is connected to the program we feature, is set out on the publisher page.
What this site is not
- Not an insurance company and not a health-sharing organization.
- Not a licensed insurance producer or agency, and not your broker.
- Not a provider of medical, legal, or tax advice.
- Not a seller of memberships. We cannot enroll you in anything.
Health sharing is not insurance
Every program described on this site is a voluntary cost-sharing arrangement, not insurance. No organization is legally required to pay your medical bills, and you remain responsible for them. See the full disclosure.
Accuracy and limits of our information
Program facts are sourced from each program’s own published materials, regulator filings, or statute, and carry an effective and last-verified date. Programs change their guidelines and pricing, sometimes without notice. The controlling document is always the program’s current guidelines — not our summary of them.
Scores are editorial opinion derived from published weights applied to sourced facts. They are not a prediction that a specific expense will be shared, nor a rating of financial strength.
Tools
The plan-fit and cost tools are educational. They do not produce a quote, a price, or an offer, and they intentionally avoid printing a precise monthly figure. Do not treat their output as an eligibility determination.
Quote requests
Submitting the quote form is a request to be contacted by MPB Health. It is not an application, not an enrollment, and creates no membership or coverage. Any membership you later join is a contract between you and that organization, on their terms, and we are not a party to it.
Commercial relationships
We may be compensated for referrals. That relationship is disclosed on how this site makes money and does not affect editorial scores.
Acceptable use
- Do not submit false information or another person’s details.
- Do not scrape, automate, or bulk-submit against this site or its endpoints.
- Do not attempt to bypass rate limits or bot protection.
- Do not send us health information. Our forms do not ask for it.
Third-party links
We link to program guidelines, regulators, and other sources. We do not control those sites and are not responsible for their content.
Intellectual property
Our editorial content, methodology, and scores are ours. You may quote briefly with attribution and a link. Republishing our comparison tables or scores wholesale is not permitted.
No warranty; limitation of liability
The site is provided as is, without warranties of any kind. To the fullest extent the law allows, we are not liable for indirect, incidental, or consequential damages arising from your use of the site or from any decision you make based on it.
Changes
We may update these terms. Continued use after the updated date above constitutes acceptance.