MPB Health

What MPB Health does

MPB Health, operated by MPowering Benefits Inc., is a privately held health sharing membership organization founded in 2011 and headquartered in Boca Raton, Florida. The company markets community-based medical cost sharing as an alternative to traditional health insurance, pooling monthly member contributions to pay eligible medical expenses rather than underwriting risk. It serves three primary segments: individuals and families seeking alternatives to conventional insurance, self-employed and 1099 professionals needing HSA-compatible coverage, and small businesses with 2-50 employees seeking cost-effective group benefits.

The product portfolio spans five membership tiers: Essentials ($50/month, hospital debt relief plus virtual care with no cost sharing), Care+ ($166/month, medical cost sharing after Initial Unshareable Amount), Direct ($201/month, preventive sharing plus cost protection), MEC+ Essentials ($125/month, ACA-compliant minimum essential coverage for businesses and 1099 workers), and Secure HSA ($239/month, HSA-compatible with triple tax advantages). Underlying infrastructure centers on a member portal and native iOS/Android applications with HIPAA encryption and real-time sync, integrated telehealth (24/7 $0 virtual urgent care, primary care, and behavioral health), a prescription pricing tool (RX Valet covering 65,000+ pharmacies), a sharing request processing system, and integrations with the PHCS network, mail-order pharmacy partners, and Cognito Forms. Distribution combines direct-to-consumer online enrollment with a 500+ licensed advisor partner network across 24 states, supported by content marketing, a self-serve quote calculator, and phone sales.

MPB Health does not itself underwrite insurance; it routes members and contributions to Zion HealthShare as the underlying health sharing organization. Member contributions fund the shared community pool used to pay eligible medical expenses, and the company monetizes via membership services across this flow. Reported scale metrics include 50,000+ member families, $75M+ in medical expenses shared in the last year, an A+ BBB rating since 2011, and a 4.9/5 Google rating across 12,000+ families with a 96% recommendation rate. The company operates across the United States (excluding Washington) and Puerto Rico with a staff of 11-50, and discloses no external funding, acquisitions, or parent ownership.

Name

MPB Health

Legal name

MPowering Benefits Inc.

Website

https://mpb.health

Company type

Private

Founded year

2011

Operating status

Operating

Headcount range

11–50 employees

Short description

MPB Health is a private health sharing membership organization operating since 2011 as a community-based alternative to traditional health insurance, serving individuals, families, self-employed professionals, and small businesses across 24 US states and Puerto Rico through tiered monthly memberships and an advisor partner network.

Ownership category

akta.pro rank

Product category

Health Sharing Memberships

NAICS

Health and Welfare Funds (52512)

SIC

Hospital & Medical Service Plans (6324), Accident & Health Insurance (6321)

akta.pro primary industry

Membership/Subscription Concierge Virtual Care (HLALAAAH)

akta.pro secondary industry

High-Deductible Health Plans (HDHP) with HSA-Eligible Coverage (FSAIAFAM)

Keywords

• Health sharing memberships
• Medical cost sharing
• Community health sharing
• Telehealth membership plans
• HSA-compatible healthshare

Headquarters

HQ city

Boca Raton

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Monthly Membership Contributions: Members pay fixed monthly contribution amounts based on their selected membership tier (Essentials, Care+, Direct, MEC+ Essentials, Secure HSA). Amounts vary by age, household size, and Initial Unshareable Amount (IUA) selection. Members contribute to a shared community fund used to pay eligible medical expenses.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels6 records

Core offering

MPB Health (operated by MPowering Benefits Inc.) sells community-based health sharing memberships as an alternative to traditional health insurance. Members pay recurring monthly contributions that are pooled into a shared community fund used to pay eligible medical expenses once a member's chosen Initial Unshareable Amount (IUA) is met. Memberships span five core tiers — Essentials, Care+, Direct, MEC+ Essentials, and Secure HSA — and include 24/7 virtual urgent care, prescription savings via RX Valet, and additional features such as maternity care, worldwide emergency protection, pet telehealth, and HSA compatibility.

Product overview

MPB Health operates a community-based health sharing platform with multiple membership tiers offering medical cost sharing as an alternative to traditional insurance. The core product portfolio includes five named membership plans: Essentials (hospital debt relief, $50/month), Care+ (medical cost sharing for families, from $166/month), Direct (preventive + medical sharing, from $201/month), MEC+ Essentials (ACA-compliant for businesses, from $125/month), and Secure HSA (HSA-compatible with tax advantages, from $239/month). These plans share a common technology infrastructure centered on the MPB Health Mobile App and Member Portal, which provide unified access to virtual care services (24/7 urgent care, behavioral health, primary care), prescription discount programs (RX Valet at 65,000+ pharmacies), provider network search, and real-time sharing request tracking. Members can add specialized benefits including maternity care sharing, worldwide emergency protection, pet telehealth, medical weight loss support (GLP-1 prescriptions), and 24/7 membership concierge services. The platform serves individuals, families, self-employed professionals, and employer groups through direct sales and a network of over 500 licensed advisor partners.

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

• 30-60% reduction in monthly healthcare costs compared to traditional insurance
• +7 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature5 records

Partnerships

One partnership is on record.

• Zion HealthSharecoreStrategic or Co-development PartnerZion HealthShare is the underlying health sharing organization that facilitates the sharing of medical expenses among members. MPB Health provides membership services and access to Zion's health share programs. The Zion Member Guidelines document outlines sharing rules and eligible expenses.

Scale indicators7 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Medi-Share (Christian Care Ministry): Medi-Share is one of the largest faith-based health sharing programs in the US with multi-tier memberships and direct-to-consumer distribution, directly comparable to MPB in product mechanics.
• Zion HealthShare: Zion HealthShare is the underlying health sharing organization through which MPB Health members actually share medical expenses; functionally a hybrid partner/peer offering directly comparable membership products.
• Christian Healthcare Ministries: CHM is a long-standing faith-based health sharing ministry with individual and family programs; comparable cost-sharing model though with religious membership requirements that MPB does not impose.
• Samaritan Ministries International: Samaritan Ministries operates a member-to-member medical bill sharing model with no network restrictions, a structural and functional analog to MPB Health despite differing member contribution mechanics.
• OneShare Health: OneShare Health offers multi-tier health sharing memberships including ACA-compliant MEC options for individuals and small groups, directly overlapping with MPB's MEC+ Essentials and broader portfolio.
• Sedera Health: Sedera is a non-faith-based health care sharing ministry offering membership-based medical cost sharing with similar IUA structure, telehealth add-ons, and individual/family/SMB tiers — the closest secular competitor to MPB Health.

Broad incumbents

• Healthcare.gov: The federal ACA marketplace is the dominant alternative for subsidized individual coverage and directly competes for the same un/underinsured self-pay household that MPB targets.
• eHealth: eHealth is a large online health insurance marketplace that sells individual, family, and Medicare plans; competes for the same self-employed and individual consumer who would otherwise consider MPB.

Emerging players

• Stride Health: Stride Health is a digital broker focused on affordable health coverage for self-employed and gig workers, an adjacent alternative to MPB Health for the same core self-employed/1099 persona.
• Take Command Health: Take Command Health is an ICHRA administration platform enabling employers to fund individual coverage; a fast-growing alternative to traditional group health benefits that competes with MPB's MEC+ Essentials employer channel.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/HealthMpb

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about MPB Health