Impact Health Sharing

What Impact Health Sharing does

Impact Health Sharing, Inc. is a Florida-domiciled, non-profit healthcare sharing organization founded in 2020 that operates a community-based mutual aid alternative to traditional health insurance. Members voluntarily contribute monthly amounts calibrated by age of the oldest household member, household size, and a four-tier Primary Responsibility Amount (PRA); after the PRA is met, eligible bills are shared by the community at 90%, with members responsible for a 10% co-share capped at $5,000 per household per year. The organization is rooted in Christian values and a Statement of Beliefs, and explicitly states it is not insurance and is not regulated as insurance.

The company operates a proprietary Virtual Share Exchange (VSE) platform that administers peer-to-peer medical bill sharing, member account management, and provider payments. On the provider side, claims are submitted electronically via EDI using Payer ID IH400, and a Provider Portal (accessed via Tax ID or NPI application, ~24-hour approval) supports eligibility checks, bill submission, and status tracking. Product surface spans four member programs — Individuals, Families, Seniors (65+, secondary to Medicare), and Groups — bundled with complimentary perks including 24/7 Telehealth, short-term Teletherapy, Dental & Vision Savings, Labs Savings, Prescription Savings, Wellness Rewards (up to $150/month toward PRA reduction), and a Wellness Concierge service. All member funds are held by America's Christian Credit Union as external fiduciary and custodian, not by Impact itself.

Impact serves US consumers across 48 states (excluding Rhode Island and Washington) through direct-to-consumer channels — a self-service website with a 2-question pricing tool, phone enrollment at (855) 378-6777, and a provider referral network. The company reports 22,500+ members, $275M+ in cumulative shared medical bills since 2020, average provider payment under 15 days, and a 4.8/5.0 member satisfaction rating.

Name

Impact Health Sharing

Legal name

Impact Health Sharing, Inc.

Website

https://impacthealthsharing.com

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

11–50 employees

Short description

Impact Health Sharing is a non-profit healthcare sharing organization serving 22,500+ US individuals, families, seniors, and groups through a community-based mutual aid model, administered via its proprietary Virtual Share Exchange platform with member funds custodied at America's Christian Credit Union.

Ownership category

akta.pro rank

Product category

Healthcare Sharing

NAICS

Direct Health and Medical Insurance Carriers (524114), Health and Welfare Funds (52512), Social Assistance (624)

SIC

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

akta.pro primary industry

Healthcare-Linked Social Benefits Administration (e.g., Medicaid/Means-Tested Health Coverage) (BPAIAKAH)

akta.pro secondary industry

Membership/Subscription Concierge Virtual Care (HLALAAAH)

Keywords

• Healthcare sharing
• Medical bill sharing
• Non-profit health sharing
• Telehealth services
• Wellness rewards program

Headquarters

HQ city

Davie

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Monthly Member Contributions: Members contribute a monthly sharing amount based on age of the oldest household member, number of enrolled persons (1, 2, or 3+), and selected Primary Responsibility Amount (PRA). These monthly contributions are collected and used to pay members' medical bills and build/maintain medical reserves in each member's Share Account.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

Impact Health Sharing is a non-profit healthcare sharing organization where members voluntarily contribute monthly amounts that are pooled and used to pay eligible medical bills of other members. The organization operates a proprietary Virtual Share Exchange (VSE) technology platform that facilitates electronic peer-to-peer bill sharing, member account management, EDI-based claims submission (Payer ID: IH400), and a Provider Portal for eligibility and bill status. Members select a Primary Responsibility Amount (PRA), after which the community shares 90% of eligible bills with the member responsible for a 10% co-share capped at $5,000 per household per year.

Product overview

Impact Health Sharing operates a single core platform—the Virtual Share Exchange (VSE)—which facilitates peer-to-peer medical bill sharing among members. The VSE manages monthly share contributions, medical bill processing, eligibility review, and provider payments via EDI. On top of the core platform, the company offers segmented membership programs (Individuals, Families, Seniors 65+, and Groups), all of which include built-in member perks: Virtual Care/Telehealth, Dental & Vision Savings, Labs Savings, Prescription Savings, Wellness Rewards, and Wellness Concierge. The product architecture is a platform with bundled modules rather than individually purchasable add-ons.

Differentiator

Problem solved

Functional benefit

Products and services

• Impact Health Sharing Core Program A non-profit healthcare sharing program where members contribute monthly amounts that are shared to cover eligible medical bills of other members in the community. The community-based mutual-aid model replaces traditional insurance with voluntary contributions governed by shared beliefs and ethics.
• Individual Program

Quantifiable outcome

• Members save up to 50% monthly compared to traditional health insurance
• +3 more outcomes

Named customers10 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

Integration2 records

Feature3 records

Partnerships

One partnership is on record.

• America's Christian Credit UnioncoreOthersAmerica's Christian Credit Union serves as the external fiduciary and custodian for member funds. All member monthly contributions are deposited into accounts owned by the members (not Impact), opened with America's Christian Credit Union at enrollment. The credit union holds funds 'for the benefit of members of Impact Health Sharing' and provides account insurance disclosure.

Scale indicators4 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Liberty HealthShare: Christian healthcare sharing ministry historically serving individuals, families, and groups. Closely comparable in category and product, though its operating status and member experience have been less stable than peers in recent years.
• Sedera Health: Healthcare sharing organization positioned with a stronger technology and employer-group focus, including a member-facing app and access portal. Closely comparable operating model and member experience, with more emphasis on group/employer distribution than Impact's current mix.
• Solidarity HealthShare: Catholic-aligned healthcare sharing ministry offering individual and family programs with monthly share contributions. Operates within the same non-insurance sharing structure with comparable target member profile.
• Altrua HealthShare: Faith-based healthcare sharing ministry with individual, family, and group programs. Comparable non-insurance cost-sharing model, member onboarding flow, and provider-payment mechanics to Impact.
• Samaritan Ministries: Long-running Christian healthcare sharing ministry using a direct member-to-member sharing model. Operates with a similar values-based, non-insurance structure and overlapping target member base as Impact.
• Zion HealthShare: Healthcare sharing organization offering individual, family, and senior programs with monthly contributions and member-to-member sharing. Highly comparable product structure, pricing mechanics, and target audience to Impact.
• Christian Healthcare Ministries (CHM): Established faith-based healthcare sharing organization serving individuals and families with monthly contributions and member-to-member bill sharing. Directly comparable product, member profile, and operating model to Impact Health Sharing.
• Medi-Share (Christian Care Ministry): One of the largest and longest-standing healthcare sharing ministries in the U.S., offering monthly-share-based sharing for individuals and families. Highly comparable to Impact's model, programs, and target member profile, with a longer operating history and significantly larger member base.
• OneShare Health: Faith-based healthcare sharing ministry offering individual, family, and group programs with monthly share amounts and provider networks. Direct competitor in the same HCSM category and overlapping member demographic.

Emerging players

• Included Health: Virtual-first integrated care and benefits navigation platform offering 24/7 virtual care, behavioral health, and care coordination — often bundled with employer-sponsored plans. Comparable to Impact's bundled telehealth and concierge perks, but anchored in insurance rather than sharing.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/impacthealthsharing2019
• LinkedInlinkedin.com/company/impact-health-sharing

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Impact Health Sharing