Affordable Health Coverage—Without the Insurance B.S.

Built for healthy people who want real protection—without bloated premiums, confusing networks, or religious requirements.

ShareWELL vs Insurance:

What You’re Really Paying For

Feature

From $185/mo

Choose Your Own Provider

Transparent Guidelines

Religious Requirements

Works with DPC (Direct Primary Care)

Feature

Traditional Insurance

$800–$1,500/mo

Choose Your Own Provider

Transparent Guidelines

Religious Requirements

Works with DPC (Direct Primary Care)

Feature

From $185/mo

Traditional

Insurance

$800–$1,500/mo

Choose Your Own Provider

Transparent Guidelines

Religious Requirements

Works with DPC (Direct Primary Care)

Simple, Straightforward, and Smart

Choose your
monthly contribution

Select a plan based on your health needs—no surprises.

Get care +

pay upfront

See any provider you want and pay cash up front.

We share
eligible costs

Submit your bills and let the community help with expenses.

Why Thousands

Are Switching to ShareWELL

  • Save up to 60% compared to traditional plans

  • Choose your doctor—no networks

  • Transparent rules for what’s covered

  • No religious restrictions or lifestyle requirements

  • Works with Direct Primary Care clinics

How We’re Different

from Other Healthshares

Common Problems

Traditional healthshares often require religious affiliation

Clunky systems and vague rules

Limited or unclear coverage

ShareWELL's Solution

No religious or lifestyle requirements

Modern, easy-to-use digital platform

Clear guidelines you can actually understand

Real Members. Real Savings.

Real Peace of Mind.

I cut my monthly health costs by more than half—and I can still see my same doctor!

— Sarah, 34

Self-employed Designer - Atlanta, GA

No networks. No confusion. Just common-sense healthcare.

— James, 41

Freelance Developer - Atlanta, GA

Still Have Questions?
We’ve Got Answers.

Is this insurance?

ShareWELL is a modern health cost-sharing community, not traditional insurance. That means no bloated premiums, no confusing networks, and no red tape. Instead of paying an insurance company, you contribute to a member community that shares eligible medical expenses transparently and efficiently.

What happens in an emergency?

You get the care you need—no network restrictions. In an emergency, go to any hospital or provider. Pay cash (or use a payment plan), then submit your bills. Eligible expenses are reviewed quickly and shared by the community according to clear, published guidelines.

Can I keep my doctor?

Absolutely. With ShareWELL, there are no networks—so you're free to choose any licensed provider. This works especially well if you already have a doctor you trust or use Direct Primary Care (DPC).

What if I have a pre-existing condition?

Some conditions are shareable—others may have waiting periods. ShareWELL offers clear guidelines about what’s covered and when. Certain pre-existing conditions may require a waiting period before they're eligible for sharing. You’ll know exactly what to expect—no fine print or surprises.

How is this different from other healthshares?

We removed the outdated stuff. No religious requirements. No paperwork nightmares. No moral clauses. ShareWELL is built for modern, health-conscious individuals and families who want affordable care without the legacy baggage of traditional healthshares.

Ready to Break Up

With Insurance?

Thousands are saving money with ShareWELL every month. Want to see if it’s right for you?

© Copyright 2025 ShareWELL. All Rights Reserved | Privacy Policy

ShareWELL is a nonprofit health care entity. ShareWELL members voluntarily share each other’s medical expenses in accordance with guidelines
adopted by the members. ShareWELL is not insurance and is not regulated as insurance. ShareWELL members do not assume any legal obligation to share in the payment of any medical expense incurred by another ShareWELL member.