An HSA-compatible plan built to reduce your taxes while protecting your family. Lower monthly contributions, 100% preventive care at $0, and an HSA that builds year over year — paired with EverTrust Health Share for major medical events.
The HSA Advantage
An HSA isn't just a savings account — it's a tax strategy. Money you put in reduces your taxable income, grows tax-free, and rolls over every single year. The Modern Advantage is designed to make this work for you.
Contributions are tax-deductible. Growth is tax-free. Qualified withdrawals are tax-free. No other savings vehicle does all three.
Unlike an FSA, every dollar you contribute rolls over year after year. Healthy years turn into a growing medical safety net you actually own.
The plan's lower monthly contribution means more cash in your pocket — or your HSA — each month compared to a copay plan or traditional insurance.
Plan Structure
This plan leads with 100% preventive care and $0 virtual care — then EverTrust Health Share handles the big stuff. Office visits aren't covered by the plan directly, but your HSA and self-pay rates often make that a non-issue.
Physician & Office Services
This plan is built around what you use most — and covers it at $0. For in-office visits that aren't preventive, members pay directly (often at favorable self-pay rates) or use HSA funds. EverTrust picks up major medical after your MRA.
Preventive Care
This plan covers the full scope of ACA-mandated preventive services at $0 — no copay, no prior authorization required. Preventive care is distinct from sick visits: these are scheduled screenings, wellness exams, and immunizations recommended for healthy members.
Transparency — What's Not Included
Like any health plan, this one has boundaries. We'd rather be upfront about what's not included so there are no surprises. Most of what's listed here falls outside what a cooperative sharing model is designed to fund — but when something serious happens, the community is there.
Cancer diagnosed, treated, under evaluation, referred to oncology, or symptomatic within 36 months prior to membership · Organ failure, end-stage organ disease, renal failure requiring dialysis · Advanced systemic or degenerative conditions involving irreversible organ damage or dependence on life-sustaining therapy.
Member Guidelines
EverTrust includes built-in safeguards to keep costs fair and predictable for every member household.
The following are not eligible if signs, symptoms, diagnosis, or treatment occur within the first 90 days of membership:
Households with one or more tobacco users must pay a $100 monthly surcharge in addition to their standard contribution.
The following will not be considered pre-existing if controlled and the member has not been hospitalized for the condition in the 12 months before enrollment:
EverTrust does not share in the maintenance or ongoing management of pre-existing conditions. Routine or maintenance care intended to monitor, manage, or maintain a chronic or pre-existing condition is not eligible for sharing at any time.
Networks & Resources
Knowing which tool to use for which type of visit makes this plan work seamlessly. Preventive care uses your ID card at PHCS providers. Everything else follows the EverTrust self-pay process.
The Modern Advantage — build your HSA, reduce your taxes, and know the community has your back when it matters.
This plan is a voluntary health sharing arrangement, not insurance. HSA eligibility depends on individual tax circumstances — consult a tax advisor. Sharing eligibility is subject to EverTrust Member Guidelines.