Health share is a type of healthcare program where members contribute monthly to a community fund that helps cover medical expenses for everyone in the group. Unlike traditional insurance, which involves premiums and networks managed by an insurance company, health share operates as a community-driven cost-sharing model. The key difference is that health share programs are often more affordable but may not offer the same broad coverage as a traditional insurance plan, especially for routine care or pre-existing conditions.

With a health share program, you can typically save 30% to 50% or more compared to traditional health insurance premiums. Real estate professionals often face high insurance costs, especially when they're self-employed, but health share programs can significantly reduce those monthly expenses. The savings come from the shared responsibility model, where administrative costs are lower, and the focus is on covering major medical events, rather than routine care.

Health share programs are designed to cover major medical expenses like hospital stays, surgeries, and emergencies, but they may not be as comprehensive as traditional insurance for things like regular checkups, prescriptions, or preventive care. It’s important to read our fine print when we launch, as health share programs often have limitations or exclusions for pre-existing conditions, and there may be caps on the amount we will cover for certain medical events. That said, they can be a great solution for generally healthy individuals who want protection from large, unexpected medical bills.

Pros:

Lower Costs: Health share programs can save you 50% or more in monthly costs compared to traditional insurance.

Community-Focused: You're part of a like-minded group sharing costs, which can feel more personal and rewarding.

Flexibility: Many health share programs don’t have narrow enrollment periods, so you can join when it works for you.

Cons:

Limited Coverage: Routine care, prescriptions, and pre-existing conditions may not be fully covered.

No Legal Guarantees: Health share programs aren’t regulated the same way as traditional insurance, meaning there’s no legal obligation for them to pay your claims.

Caps on Coverage: There can be limits on how much the program will cover for certain types of medical events.

Yes! Our health share program is exclusively for licensed professionals in the real estate industry. We understand the unique challenges you face as an independent contractor, especially when it comes to finding affordable healthcare. By focusing solely on real estate professionals, we create a community of like-minded individuals with similar needs, ensuring that our program is tailored to serve you best.

Real estate professionals often face high premiums and fewer plan options because they don’t have access to employer-sponsored group insurance. A health share program can be a cost-effective alternative, especially if you’re in generally good health and primarily concerned with protecting yourself from unexpected medical events. Since you’re part of a community with other real estate pros, there’s also the added benefit of being in a network of peers who understand your industry, which can make the experience feel more personalized and supportive.

Yes, while health share programs can save you money, they do come with some limitations. First, they aren’t regulated like traditional insurance, meaning they aren’t legally required to pay your claims. Additionally, routine care, prescriptions, and pre-existing conditions may not be covered as comprehensively as with traditional plans. Finally, most health share programs have caps on what they will cover for certain medical events, so it’s essential to understand exactly what’s included before you join.

Health share programs typically cover large, unexpected medical expenses like hospitalizations, surgeries, and emergencies. They are designed to help members share the financial burden of these costly events. However, routine care such as regular doctor visits, prescription medications, and preventive care may not be fully covered, depending on the plan. Be sure to review the guidelines to understand what types of expenses are eligible for sharing within the program.

Like other health share programs, we have restrictions on covering pre-existing conditions. Some may require a waiting period (e.g., 12-24 months) before these conditions become eligible for sharing, while others may exclude them altogether. If you have a chronic or pre-existing medical condition, it’s important to ask about the specific rules of the program you’re considering so you understand how your condition will be treated.

Our health share program is uniquely tailored to licensed real estate professionals (realtors, mortgage pros, title agents, etc), ensuring that it meets the specific needs of your industry. Unlike broad, one-size-fits-all programs, we understand the challenges of being self-employed, like managing unpredictable income and high insurance premiums. By focusing on real estate pros, we’ve created a community of peers with similar experiences and needs, offering a supportive and cost-effective alternative to traditional health insurance.