Watch this quick explainer video on YouTube from the founder

This explainer video will cover how Impact Health Sharing works, what happens when you go to the doctor, what a Primary Responsiblity Amount (PRA) and Co-Share are, and your max out of pocket.

Pre-Existing Medical Conditions are conditions in which known signs, symptoms, testing, diagnosis, treatment, or use of medication occurred within 36 months prior to membership (based on medical records). A known sign is any abnormality indicative of disease, discovered on examination/diagnostic testing before joining membership. A symptom is any subjective evidence of disease. In contrast, a sign is objective.

A Pre-Existing Medical Condition is eligible for sharing after the condition has gone 36 consecutive months without known signs, symptoms, testing, diagnosis, treatment, or medication (based on medical records).

If you have been diagnosed with cancer that is in complete remission and you are only undergoing testing for surveillance purposes, then bills related to those services will not be eligible for sharing for the first 36 months of membership. If after 36 months you are without signs, symptoms, testing (other than surveillance testing), diagnosis, or treatment (medication), medical expenses related to that cancer diagnosis will be eligible for sharing.

High blood pressure or high cholesterol that is controlled through medication will not be considered as Pre-Existing Medical Condition for purposes of determining eligibility for future vascular or cardiac signs.

The Pre-Existing Medical Conditions limitations do not apply to members 65 years old and older.

No. You may keep your current health plan. However, you do want to compare it to what your employer is offering. If you don't think this will be a long-term position, then consider keeping what you have. As for your life insurance policy, always, always, always keep that. It's never a good idea to rely on your employer to provide this. You can supplement it with your employer provided one if you wish to, but it's not the best investment vehicle or cost effective like the one you have already setup based on your financial planning strategy.

Yes. You can enroll at any time.

WIth Impact HealthSharing: as long as you have enrolled and paid for your membership by 5:59pm EST of the last day of the month, your membership will go into affect on the first of the following month.

With LifeExec: as long as you have enrolled and paid for your membership by the 20th of the month, your membership will go into affect by the first of the following month.

With Impact Healthsharing: it covers major events as long as it is not a pre-existing condition.

With LifeExec: Advantage Complete is currently the only plan that has access to a fund. However, they are about to bring on some plans that can be stand-alone or added onto others that will offer access to much more.