How Healthcare Cost Sharing Works

A simple, tech-powered model that cuts out bureaucracy, middlemen, red tape, and profit-driven agendas...connecting people instead. Members save up to 50% per month, enjoy industry-leading payment efficiency, and have over five years of rate stability. Together, our community has shared and saved $275M+ in medical bills to date.

You Pay Your Monthly Share

Each month, you contribute your Monthly Share amount for you/your household. Monthly share amount is based on household size, age of the oldest person in your household, and program choice.

Impact's tech-based platform matches the Monthly Share funds with other member’s eligible medical expenses and sends payment directly to their provider(s) in 15 days or less.

Bill Review & Fair Pricing



We review every bill to ensure it meets sharing guidelines, work to reprice it to fair market value when possible, and guide you on the next steps and the final amount you’ll owe. 

"Repricing" means reducing a bill to a lower, fair amount based on industry data and careful review. Even if your bill isn’t eligible to be shared by the Impact community, Impact will still apply the same repricing process—advocating on your behalf to avoid unnecessarily high charges.

The Power of Sharing

Once your annual PRA is reached, the community begins sharing 90% of your eligible expenses from that point on, while you pay just 10% (your co-share). The most you’ll ever pay in co-share per year is $5,000.

Check out our How It Works Page