Let’s be honest — people are feeling squeezed from every direction right now. Medical insurance rates keep going up, government subsidies are being held hostage in political gridlock, and even if you’re insured, the deductibles and copays are climbing while provider networks are shrinking. It’s no wonder so many families are frustrated — they’re paying more and getting less.That’s why I want to share an alternative that’s changing how people think about healthcare: medical cost sharing.

How Medical Cost Sharing Works

Instead of paying premiums to a large insurance company, members each contribute a fixed monthly share to a communal pool. When you have a medical expense, you submit your bills, and the Health Sharing community’s pooled funds help pay for eligible costs according to clear, published sharing guidelines.Unlike traditional insurance — where you pay premiums to an insurer that assumes financial risk — medical cost sharing is truly community-driven. Members directly help one another with medical needs.Every medical incident begins with your Initial Unshareable Amount (IUA) — this is the portion you agree to pay before the community’s share takes effect. After you’ve met your IUA, the community steps in to share eligible costs.

Which Medical Expenses Qualify for Sharing?

Eligible expenses often include:

• Hospital stays
• Surgeries
• Accidents and emergencies
• Maternity care
• And a wide range of other medically necessary servicesFor the complete list of what’s shareable, ask for our member guidelines or contact one of our healthcare advisors for details.

How Health Sharing Differs from Insurance

Traditional Health InsuranceMedical Cost SharingYou pay monthly premiums to a for-profit insurance company.You contribute a monthly “share” to a collective pool of members.The company assumes risk and often dictates your provider network.Members share each other’s eligible expenses; you choose your own providers.Subject to government regulation and rising administrative costs.Community-driven, typically non-profit, with lower overhead.Annual deductibles and copays.A per-incident Initial Unshareable Amount (IUA).Often complex and profit-motivated.Transparent, member-centered, and focused on helping one another.

Why More People Are Joining Health Sharing Communities

• Lower monthly costs than traditional insurance
• Freedom to choose your own doctors and hospitals
• Transparent guidelines — no hidden fine print
• A sense of community — members helping members instead of funding a corporation

How to Get Started

For more info or to review the member guidelines:Step One: Go to https://joinmpb.com/health-empowerment/ and look around for more information.Step Two: Click on “Questionnaire” at the top of the page and complete it.Make sure to:

• List Charles Frohman as your Health Sharing Advisor​
  ✉ HealthEmpowerment4U@gmail.com​
• List Dr. Carlos Reynes as the person who recommended you