Direct Primary Care + HSA + Health Share | Strategic Health Share Administrators
Modern Cooperative Health Benefits

Everyday care that's personal.
Major medical that's shared.
Savings that are tax-smart.

Most health plans try to do everything under one roof — and do all of it expensively. This approach separates the pieces: Direct Primary Care for your everyday doctor relationship, a Preventive HSA for screenings and tax strategy, and EverTrust Health Share for major medical protection. Each one does its job exceptionally well.

Direct Primary Care Preventive HSA EverTrust Health Share

What the three layers deliver

Unlimited
DPC visits — in person, phone, text, or video. Your doctor, direct.
Triple
Tax advantage — pre-tax in, tax-free growth, tax-free out on HSA
100%
Preventive care at PHCS network — no deductible, no MRA
Any
Provider eligible through Health Share — including maternity
This isn't a single product — it's three focused tools working together. Replace the expensive, one-size-fits-all insurance model with something smarter, more personal, and built to grow with you. No traditional insurance premiums. No enrollment windows. No network lock-in.

Three Pieces · One Membership

Each layer has one job.

Traditional insurance tries to bundle everything into one premium — and charges accordingly. This model separates the pieces so each one works better and costs less than trying to do it all through insurance.

1
Layer One
Direct Primary Care
Your doctor. Direct access. No middlemen.
Unlimited visits — in person, phone, text, or video
Same-day or next-day appointments
Longer, unrushed time with your own physician
Labs, medications & imaging at near-wholesale cost
Flat monthly membership — no copays, no claims
Everyday care — the doctor relationship insurance never gave you
2
Layer Two
Preventive HSA Plan
100% preventive care — triple tax advantage
★Triple tax advantaged — contribute pre-tax, grow tax-free, spend tax-free
100% preventive care at PHCS network — no deductible, no MRA
Mammograms & colonoscopies — 100% covered
Annual physicals & screenings — all ACA preventive services
Pairs with a Lively HSA — no fees, balances roll over every year
★ Triple Tax Advantaged — the layer that builds your financial safety net
3
Layer Three
EverTrust Health Share
Major medical + maternity — community sharing
Major medical sharing after MRA — hospitalization, ER, surgery, imaging
★Maternity sharing included — prenatal, labor & delivery, postnatal
Any provider — present as self-pay, billed directly, no network required
Sharing safeguard — max 2 MRAs per household per 12 months
Community-based — members share one another's eligible expenses
Major medical protection — the safety net for the unexpected

Full Coverage Breakdown

Every layer. Every need.

Here's exactly what each piece covers — so there are no surprises about what falls where.

Direct Primary Care
DPC Membership · Included
Unlimited primary & virtual visits
Direct text, call & video — your doctor
Labs & medications at member cost
Same-day / next-day scheduling
Ongoing care management
Preventive HSA Plan
PHCS Network · 100% Covered · No MRA
★ Mammograms — 100% covered
★ Colonoscopies — 100% covered
Annual physicals & bloodwork
Age-appropriate cancer screenings
Well-woman exams & immunizations
EverTrust Health Share
After MRA · Community Shares
Hospitalization & surgery
Emergency room visits
Specialist visits & advanced imaging
★ Maternity — prenatal through delivery
Any provider — no network lock

The Old Way vs. The Modern Advantage

Traditional insurance is expensive and disconnected.

Traditional plans bundle everything into one high premium — and still leave you with copays, deductibles, and a doctor you see for ten minutes. Separating the pieces means each one works better.

Traditional Insurance
Expensive & Disconnected
✗Primary care visits — $150–$300 copay before deductible even applies
✗Doctor relationship — 10-minute visits, weeks-long wait times
✗Prescriptions — retail pricing, often hundreds per month
✗Preventive care — covered but buried in network restrictions
✗Major medical — high premiums, most goes to overhead not care
Modern Cooperative
Direct, Predictable & Tax-Smart
✓Everyday care via DPC — flat monthly fee, your doctor direct
✓Triple tax-advantaged HSA — pre-tax in, tax-free growth, tax-free out
✓100% preventive care — PHCS network, no deductible, no MRA
✓Major medical + maternity — EverTrust community sharing, any provider
✓No insurance premiums — keep more, build your HSA reserve instead

Important Notes

What you should know.

HSA Triple Tax Advantage
Contributions lower taxable income now. Your balance grows tax-free — invest it like a retirement account. Withdrawals for qualified medical expenses are completely tax-free. Unused funds roll over every year. Pair with a Lively HSA — no monthly fees.
HSA & DPC Eligibility
Recent federal changes allow DPC memberships to pair with HSA-eligible plans without disqualifying HSA contributions, subject to monthly fee limits. Rules vary by household — confirm eligibility with a tax advisor before enrolling.
Unlimited
DPC visits — no copays, no claims
Triple
Tax advantage on every HSA dollar
100%
Preventive care — no deductible
Any
Provider eligible for Health Share

This plan combines three separate products: a Direct Primary Care membership, a Preventive HSA-eligible plan (PHCS/Multiplan network), and a voluntary EverTrust Health Share arrangement. None of these components individually constitutes comprehensive health insurance. Pre-existing conditions may be excluded from Health Share eligibility. Modern Cooperative Health Benefits — EverTrust Health Share · V1 2026

Customizable Documents
PowerPoint PDF Version
SHSA Podcast
DPC + HSA + Health Share Overview
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