Impact Health Sharing, founded by religious entrepreneurs Phil and Angela Chrysler, has been in operation since 2020. Unlike other health shares featured on this site, Impact Health Sharing operates as a not-for-profit corporation rather than a nonprofit organization. This structure means it follows different reporting standards, so detailed sharing totals aren’t publicly available. However, Impact has grown steadily and currently serves approximately 19,500 members.
The Chryslers established this health share with the goal of giving members greater power, freedom, and control over their healthcare. Membership with Impact Health Sharing is open to those who are willing to “honor and abide by” its Statement of Beliefs & Ethics and are interested in “sharing together” in healthcare costs.
Impact Health Sharing members choose from four Primary Responsibility Amount (PRA) options: $2,500, $5,000, $7,500, or $10,000. Monthly contribution amounts are based on household size, age, and the selected PRA, with higher PRAs resulting in lower monthly contributions.
Once the PRA is met, members pay a 10% Co-Share on eligible medical bills up to a Co-Share limit of $5,000 per household per year.
Members are also responsible for provider fees paid at the time of service, as follows:
Provider fees do not count toward your PRA and must be paid even after your PRA has been met for the year.
During the first 60 days of membership, you can share up to a maximum of $50,000 in eligible medical bills. This is fairly standard, as many health shares place limits on how much can be shared in the initial months of membership, particularly for certain conditions and treatments.
Impact Health Sharing also has other limits, including a $150,000 maximum per pregnancy, which applies to prenatal care, delivery, postpartum care, and treatment related to any complications, as well as a $500,000 annual sharing limit per member. Any expenses that exceed the annual sharing limit are not eligible for sharing.
Additionally, Impact Health Sharing has a BMI assessment policy. While many health shares require members to maintain a healthy lifestyle, Impact allows individuals with a higher BMI to participate but may apply an additional fee based on the assessment. Members who exceed Impact’s BMI criteria are required to pay $125 per month, in addition to their regular monthly contribution, to remain eligible for sharing.
All members are required to activate a Share Account through Impact Health Sharing’s virtual share exchange platform. This account is opened with America’s Christian Credit Union and held “for the benefit of the member.” When you sign up for a membership, you open a separate bank account used for your monthly contributions and for sharing in other members’ medical expenses. The funds in your Share Account are insured and fully controlled by you, the member.
You can sign up through their website by clicking here, or contact them by phone at 855-610-2805 for general inquiries or help with enrollment.
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