Health Coverage for Individuals & Families | Strategic Health Share Administrators
For Individuals & Families

The approach that covers less
and saves you more.

At first it sounds counterintuitive. A plan that covers fewer things results in spending less on healthcare — even if something serious happens. Here's why that's not just possible, it's by design.

Traditional plans are priced to fund predictable, ongoing healthcare expenses across the entire population. Healthy families pay high premiums year after year — even when they rarely use significant care. This is the paradox — and modern healthcare helps you solve it.

Understanding the Paradox

Two plans. Two very different outcomes.

Look at what a family actually spends annually — not just the premium, but the deductible, coinsurance, and out-of-pocket maximum. The picture changes dramatically.

Traditional Plans
Pays more. Costs more.
High monthly premium
$1,200–$2,000+/mo for a family
High deductible first
$3,000–$8,000 before coverage starts
Coinsurance on top
You still pay 20–40% after the deductible
Annual out-of-pocket
Up to $18,000+ total exposure per year
Cooperative Health Plan
Covers less. Costs less.
Lower monthly contribution
$400–$800/mo for a family
MRA instead of deductible
$1,500–$10,000 — your true out-of-pocket max
No coinsurance
Once MRA is met, major bills are shared at 100%
Total annual exposure
Often $6,000–$12,000 — significantly less

It Works Both Ways

Scenario 1
If you stay healthy
Traditional: You're paying $14,000–$24,000/year in premiums whether you use the plan or not.
Modern Healthcare: $5,000–$10,000/year. The money you didn't spend stays in your pocket — or your HSA.
Scenario 2
If something serious happens
Traditional: You'd still pay your deductible + coinsurance. A $60,000 surgery could cost $10,000–$18,000 out-of-pocket.
Modern Healthcare: your MRA is your ceiling. Hit it, and the community shares in eligible expenses at 100% — often thousands less.
The Paradox Explained

Traditional plans are not actually priced around rare emergencies or catastrophic medical events. They are largely designed to fund predictable and ongoing healthcare expenses across the population — including chronic conditions, costly medications, and frequent healthcare usage. This means many healthy families pay extremely high monthly premiums year after year, even if they rarely use significant medical care themselves.

Healthcare spending is highly concentrated across the population. According to federal Medical Expenditure Panel Survey data, the top 5% of people ranked by healthcare spending accounted for 51.2% of total healthcare expenses in 2021, while the bottom 50% accounted for only 2.8%. This helps explain why traditional insurance premiums can remain high even for families who rarely use significant medical care. Source: AHRQ Medical Expenditure Panel Survey

What About Things Not Covered or limitations?

This is not a bug. It's a feature.

Some things aren't eligible for sharing or have intentional limitations. Here's why that often still works in your favor.

Some things aren't covered.
And that's OK.
When a procedure doesn't reach your MRA or isn't eligible for sharing, self-pay rates often make it cheaper than it ever would have been under a traditional deductible.
Common Examples
Allergy treatments
Sleep studies
Pre-existing conditions
Minor procedures
High-cost medications
The Self-Pay Advantage
40–60%
Self-pay rates are often 40–60% less than what insurance is billed. A $1,600 mole removal may cost $400 as self-pay. A minor procedure "covered" under a $5,000 deductible could cost less paying directly than it ever would under that deductible.

What's Included

Four components. One monthly contribution.

Every plan includes major medical sharing, $0 virtual care, zero-cost medications, and 100% preventive care — bundled together into one predictable monthly amount.

🩺
Health Sharing
Hospitalization, surgery, ER & maternity shared by the community after your MRA is met.
📱
Amaze Health
$0 virtual primary & urgent care from any device, anywhere. No waiting room.
💊
$0 Rx Program
1,100+ medications at no cost — birth control, hormones, blood pressure & more.
🌿
Preventive Care
100% ACA preventive care covered.

Two Ways to Structure Your Plan

Choose which Modern Healthcare plan fits your family best.

Both plans include the same core benefits. The difference is how you handle routine visits and whether you want to build an HSA tax strategy.

1
The Everyday Cooperative
Copay-based  |  Straightforward out-of-pocket costs
Best for families who want predictability. Higher monthly cost. Flat copays for visits — benefits work from day one, no deductible to meet first.
2
The Modern Advantage
HSA-compatible  |  Build savings & reduce taxes
Best for families who want to leverage tax savings. Lower contributions + an HSA that rolls over — and reduces taxable income.

Less coverage.
More savings. By design.

Find out which plan fits your family and what your monthly contribution would look like.

EverTrust is a voluntary health sharing community, not insurance. Sharing eligibility is subject to Member Guidelines.

Customizable Documents
PowerPoint PDF Version
SHSA Podcast
Individuals & Families Overview
Strategic Health Share · Loading…
0:00 --:--