Is Impact Health Sharing Right for You? A Closer Look at How It Works
- Utah Avenue Insurance
- Oct 13
- 2 min read
Updated: Oct 14
When traditional health insurance feels out of reach, many Utah families are turning to health share programs like Impact Health Sharing — an innovative, community-based way to manage healthcare costs.
What Is a Health Share?
A health share is not insurance. Instead, it’s a group of people who agree to share each other’s medical expenses. Each member pays a monthly “share amount,” similar to a premium, and when someone has a medical need, funds are distributed to help cover it.
Health shares have existed for decades, but Impact Health Sharing has taken the model to a new level — combining the affordability of a faith-based community with the convenience of modern technology.
How Impact Works
Impact Health Sharing allows members to:
Visit any provider nationwide (no network restrictions)
Access 24/7 telemedicine
Receive a free annual wellness visit
Enjoy $150 in annual lab credits and discounted dental, vision, and prescriptions
Members choose a Primary Responsibility Amount (PRA) — similar to a family deductible — and after meeting that, 90% of eligible medical costs are shared by the community. The most any family will pay in cost sharing per year is $5,000.
Wellness Credits & Member Perks
Impact rewards healthy habits by offering up to $150 per month in health and wellness credits for things like gym memberships, supplements, massage, and holistic care. These credits reduce your out-of-pocket costs and encourage long-term wellness.
Who It’s Best For
Impact is ideal for:
Healthy individuals and families
Self-employed professionals
Small business owners
Seniors with Medicare A & B (via Impact for Seniors)
Those with chronic conditions may need traditional insurance, but for many Utahns, Impact offers a more affordable way to stay protected.
Transparency and Community
One of the most unique features of Impact is transparency. Members can see where their money goes — even which families their contributions help. Bills are typically paid within 15 days, and the community maintains strong financial reserves for stability.
Why Utah Families Are Joining
With healthcare costs rising, Impact Health Sharing offers peace of mind without the high premiums. Families who are generally healthy can save thousands per year compared to Marketplace or private insurance.
A Smarter Way to Share Health Costs
At Utah Avenue Insurance, we’ve seen firsthand how programs like Impact can bridge the gap for families who earn too much for subsidies but still want affordable, comprehensive care.
If you’re curious whether Impact Health Sharing is right for you, our local agents can help you compare costs and benefits side by side.
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