A simpler way to protect yourself from major medical costs
Medical cost sharing offers a lower-cost alternative to traditional insurance for unexpected, high-cost events without the complexity of traditional plans.
Pair it with Direct Care for a more complete, practical approach to healthcare.
This is how you protect yourself from a
$20,000 - $100,000 medical event.
Medical Cost Sharing is a fast-growing solution for over 1.7M people in the US.
It works alongside Health Insurance and Direct Care.
What is medical cost sharing?
Medical cost sharing is a model where members contribute monthly to help cover each other’s eligible medical expenses.
Instead of paying premiums to an insurance company, you’re part of a community that shares the cost of major medical events.
It’s designed to provide protection from large, unexpected healthcare costs while keeping monthly contributions more affordable and predictable.
A simple, transparent approach
1. Join a cost sharing program
We partner with KnewHealth for cost sharing
2. Make a monthly contribution
Typically lower than traditional insurance premiums
3. Get support for major medical events
Eligible expenses are shared across the community, helping reduce the financial burden of large, unexpected costs.
Why people choose medical cost sharing
Lower monthly cost
Often more affordable than traditional insurance
Clear Structure
Know what you’re responsible for and how the model works
Protection from large expenses
Designed specifically for unexpected, high-cost medical events
Flexible pairing
Works alongside other care options, including Direct Care
A more complete approach to healthcare
Direct Care
→ Day-to-day care (doctor visits, ongoing support)
Medical Cost Sharing
→ Large, unexpected medical events
Together, these create a practical alternative to traditional insurance, covering both routine care and major medical needs.
Medical cost sharing may be a good fit if you are:
A solo business owner or freelancer
Running a small business
Looking for a lower-cost alternative to traditional insurance
Comfortable with a non-traditional healthcare model
Interested in pairing coverage with Direct Care
Transparency matters
Medical cost sharing is not traditional insurance.
Participation is based on program guidelines
Not all medical expenses may be eligible for sharing
Members are responsible for understanding how the program works
We encourage you to review details carefully and choose what aligns best with your needs.
About KnewHealth:
KnewHealth is a medical cost sharing organization focused on providing flexible, community-based support for healthcare expenses.
Their model is designed to give individuals and families a more affordable, transparent way to prepare for major medical needs.
You don’t need to rely on one system to make healthcare work.
Explore a more comprehensive approach by combining Direct Care with protection from major medical costs.