Founded by entrepreneurs Phil and Angela Chrysler in 2020, Impact Health Sharing is a growing, Christian-focused, not-for-profit HealthShare headquartered in Davie, Florida. Members must adhere with their Statement of Beliefs and Ethics and meet their membership requirements, but they do not cater to a specific denomination.
Membership and costs
Monthly contribution costs depend on the primary member’s age group, the number of dependents on the membership, and the member’s chosen Primary Responsibility Amount (PRA), which ranges from $2,500 to $10,000. A price quote can be calculated here.
Once the PRA has been met, all memberships (except Impact for Seniors) have a 10% co-share amount, which means members pay 10% of eligible medical expenses up to the co-share maximum of $5,000 per household, per year, regardless of a member’s chosen PRA.
Impact Health Sharing members have an active Share Account, which is a virtual account where all funds deposited by members are received by America’s Christian Credit Union. The Share Account displays account balances, transaction history, and other useful information. According to their website, Impact’s members are provided full control over their Share Account and all sharing.
Pre-notification
Members, or their providers, must pre-notify Impact Health Sharing (a process they call ‘pre-eligibility’) for certain treatments to be eligible for sharing:
- Maternity services
- Cancer treatment
- Elective cardiac procedures
- Organ/tissue transplant services
- Non-emergency inpatient/outpatient surgery
- Imaging: MRIs and Nuclear Imaging
Provider fees
Once members receive services from a medical provider, they must pay provider fees based on the services rendered:
- $0 for telemedicine (excluding mental health counseling)
- $50 for primary care
- $50 for each allergy test or serum injection
- $75 for specialist or urgent care
- $150 for emergency room or inpatient hospitalization
Eligible medical expenses are shareable up to an annual sharing limit of $500,000 per member, per year, with the exception being maternity care, which is shareable up to a maximum of $150,000 per single pregnancy event. Sharing is limited to $50,000 in the first 60 days of membership.
Senior memberships and mental health
Impact Health Sharing offers memberships for those who are 65 and older with Medicare Parts A and B. Senior memberships have a lower $1,000 PRA, no co-share amount, and no pre-existing condition limitations. Impact shares eligible medical expenses that Medicare does not cover; however, Medicare is the primary payor for all Senior memberships.
All Impact Health Sharing members can benefit from eligible mental health services. Up to five outpatient mental health visits are eligible for sharing per member, per year. Outpatient mental health providers are considered specialists for the purpose of provider fees and are subject to the member’s PRA and co-share amount. Virtual mental health services are also available through an Impact-approved teletherapy provider. All mental health services—whether in person or virtual—are subject to the member’s PRA and co-share.
Noteworthy
Here is some of the top information we believe potential members might want to know about this HealthShare.
Key considerations
- Flexible Christian membership requirements
- Young company established in 2020
- Limited sharing for first 60 days of membership
- Tobacco users accepted with additional $50 fee
- Members with a certain BMI may be required to pay additional fee
Membership requirements
- Agree to Impact Health Sharing’s Statement of Beliefs and Ethics
Pros
- Five outpatient mental health visits per member, per year
- Annual wellness visit and lab allowance; not subject to PRA or co-share
- Senior memberships for 65+
- Mammogram shareable yearly for ages 40-74
- Colonoscopy shareable every 10 years, starting at age 45
- Prescription sharing applies after PRA, with $25 for generics and $50 for brand-name medications
Cons
- Higher PRA amounts ($2,500–$10,000)
- All memberships have a 10% co-share amount
- Pre-notification required for certain treatments to be eligible for sharing
Ideal candidates
- Want a digital member portal with an app
- Are interested in mental health treatments or senior memberships
Learn more about Impact Health Sharing below
Page Updated: 11/21/2025
