AmericareCoverage
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Healthcare sharing membership

A smarter way to manage your health care

Coverage that fits your life and your budget. Get your personalized price in 10 seconds, with no obligation.

  • Easy application in 10 minutes – 100% online
  • Talk to an agent 24/7

Better health. A brighter tomorrow.

Get your estimate

Date of birth of the oldest applicant
Oldest applicant's date of birth

Your share amount is based on the oldest person in your household.

Save up to 60%vs. traditional health insurance
See providers anywhere in the U.S.No network restrictions
Starting at just $73/monthBased on your household
No long-term contractTry it, cancel anytime

What's included

Your membership comes with more than bill sharing. Starting day one, at no extra cost, members get:

  • Annual wellness visit + labs

    One preventive checkup a year, shared 100% by the community, plus up to $150 per member in routine lab work.

  • 24/7 telehealth

    Unlimited virtual doctor visits for non-emergency needs, day or night.

  • Virtual teletherapy

    Up to three short-term therapy sessions per topic, each month.

  • Prescription savings

    Discounts on thousands of medications nationwide, including $0 generics priced under $10.

  • Dental & vision savings

    Reduced rates with thousands of participating dentists and eye care providers across the country.

  • Wellness concierge

    For your annual wellness visit, payment is arranged directly with your provider ahead of the appointment.

  • Wellness rewards

    Earn up to $150 per month per household. Not available on the Senior program.

Benefits and amounts can change. Details are confirmed in the membership guidelines.

How health sharing works

The healthcare services we offer are powered by a community of members who share eligible medical expenses. Healthcare sharing is managed with the simplicity, structure, and support you expect from traditional health coverage—making quality healthcare simpler and more affordable.

A family meeting with a friendly doctor at a bedside
  1. 1

    You contribute monthly

    Members make a monthly contribution based on their household size and the program they choose.

  2. 2

    You receive care

    Choose the doctors, hospitals and providers you trust. There are no network restrictions.

  3. 3

    Eligible expenses are shared

    After you meet your initial responsibility (PRA), eligible medical expenses are shared according to the program guidelines.

Why choose our coverage?

A joyful family outdoors with arms spread wide
  • See any doctor, specialist or hospital you trust, with no network restrictions.
  • Unlimited 24/7 telehealth and an annual wellness visit, at no extra cost.
  • Know your monthly cost up front, with clear program options.
  • Apply any time of year, with no enrollment windows.

Real bills, real savings

Real people. Real solutions. A brighter future.

$37,711Hospital bill
$27,000+Shared by the member community
$1,358Final member responsibility

One member's example. Sharing of any medical bill depends on the program guidelines. Results vary and are not guaranteed.

Frequently asked questions

Is this traditional health insurance?

No. This is a healthcare-sharing membership designed to offer a simpler and more affordable approach to healthcare. Members share eligible medical expenses according to the Membership Guidelines while enjoying transparent monthly costs and the freedom to choose their healthcare providers.

Can I keep my own doctor?

Yes. There are no network restrictions, so you can choose any licensed provider you trust, anywhere in the country.

How is my price calculated?

It's based on the age of the oldest applicant, your household size, and the program you choose. The price here is an estimate; your exact price is confirmed when you apply.

What about pre-existing conditions?

Pre-existing conditions are handled according to the program guidelines. Eligibility is confirmed during the application, and a specialist can walk you through the details.

Is the estimate my exact price?

It's a starting estimate. Some factors, like tobacco use, can change the final amount, which is confirmed when you enroll.

Better health. A brighter tomorrow.

Get your personalized price in 10 seconds. Free, with no obligation.

Get your price