A Community for Affordable Healthcare
We help each other pay for the big stuff.
In your mid-thirties, you’re bringing in some solid income—congrats! But your growing expenses are stressful.
Mortgage, car payments, utilities, school fees, soccer teams...it’s hard to keep up!
Now is the time to save for your future and retirement, but your expenses don’t leave much room.
You don't qualify for government-sponsored health coverage.
The rising costs of individual health insurance make you sick to your stomach!
You and your family are generally healthy.
Individual health insurance costs you more than out-of-pocket costs for your medical care.
Still, you want to be prepared for BIG STUFF, like:
Serious diagnoses
A heart attack or stroke
Having a baby
That’s where Big Stuff Health share comes in!
A Big Stuff Health Share membership is different than an individual health insurance plan.
Big Stuff Health Share is a non-profit community. We promote freedom in how we pay for healthCARE. We help each other enjoy life and hang on to our money.
Big Stuff Health Share saves you money on major medical costs.
Save thousands of dollars as compared to individual health insurance plans.
Use cash-pay discounts at doctor’s offices, labs, and hospitals.
Receive guidance from medical professionals on our 24/7 Medical Line.
Avoid being stuck with large medical bills when big stuff happens.
A Better Way to Pay for Your Healthcare
Over a million Americans use a health share instead of an individual health insurance plan.
With a health share membership, members make monthly contributions to a community fund. They request funds from the health share to pay their medical expenses when needs arise.
Big Stuff Health Share was created by a medical provider.
We believe medical professionals, not insurance, should guide your healthcare decisions.
Licensed medical professionals guide you to healthcare options for big (non-emergency) medical needs. And the community helps you pay large medical bills.
Is Big Stuff Health Share right for you?
Big Stuff Health Share is for people who want a liberating and affordable way to pay for their healthcare.
Big Stuff Health Share is great for:
Middle-aged adults and families with kids.
26-year olds or newlyweds not covered by parents’ insurance.
Freelancers, contractors, and self-employed workers.
Unemployed individuals.
Employees who want to save by waiving their employer’s health insurance benefit.
Big Stuff Health Share is generally not great for:
People over 60 or who qualify for Medicare.
Individuals who qualify for government-sponsored programs such as Medicaid.
People who are happy with their health insurance premiums, copays, and networks.
Now let’s talk about medical needs.
Big Stuff Health Share may be a great fit for you if:
You’re generally healthy but you want to avoid huge medical bills for events like pregnancy, recreational sports injuries, or unexpected surgeries.
You’re not pregnant now but may become pregnant in three months or more.
Big Stuff Health Share may NOT be a good fit if:
You need prescriptions for long-term conditions.
You have a chronic condition such as diabetes, heart conditions, or cancer.
You have a pre-existing condition requiring treatment in the next 12 months.
You are currently pregnant or will become pregnant within three months.
You need help paying for services related to severe or long-term mental health needs.
You are comfortable with your current individual health insurance.
Health Share Membership Options
Health Share Membership: Individual
$325 monthly contribution
$2,000 initial unshared amount per need (ages 0-39)
$3,500 initial unshared amount per need (ages 40+)
Health Share Membership: You + 1 Family Member
$529 monthly contribution
$2,000 initial unshared amount per need (ages 0-39)
$3,500 initial unshared amount per need (ages 40+)
Health Share Membership: You + 2 or More Family Members*
$656 monthly contribution
$2,000 initial unshared amount per need (ages 0-39)
$3,500 initial unshared amount per need (ages 40+)
All memberships include a one-time enrollment fee of $150.
Tobacco users contribute an additional $50 per membership per month.
For maternity, the member is responsible for one IUA for mom, plus a 50% IUA for the baby.
Families of over eight people contribute an additional $50 per additional family member each month.
Why members trust Big Stuff Health Share
1. Speedy Payment
Insurance companies and other health shares often delay months or even years in resolving medical bills. On the other hand, our average wait time is less than two weeks. We help you avoid the stress of debt collection, a lower credit scores, and worrying about large bills.
2. Medical Provider Connections
We connect you with a caring medical professional available to guide you. Unlike other doctor-on-the-phone programs, we assign a friendly licensed medical professional to help you find quality and affordable care for the big stuff as long as you need.
3. Quality Member Support
A single Member Advocate oversees your individual needs. We won't push you around to multiple people, and our friendly office team collaborates with our medical team to support you.
Kason
“Big Stuff is easy to use. It was a five-minute process to get the need started and then I just needed to send in the receipts… I got a reimbursement check last night… It’s not too good to be true!”
Robin