Are you looking for an alternative healthcare solution that saves you money?
Our cost-sharing plan may be the perfect solution for you.
A cost-effective alternative to traditional health insurance.
Become a cost-sharing member today to share eligible medical bills with other members. Save money, uplift others, and get the support you need with a cost-sharing plan.
Stay Within Your Budget
Cost-sharing plans have options for every budget. Based on these options, each member contributes a predetermined monthly amount.
Take Advantage of Flexible Coverage
Membership does not include annual or lifetime limits and is independent of your state or residence as well as your employment status.
Enjoy Nationwide Coverage
Gain access to doctors and hospitals from coast-to-coast with cost-sharing plan PPO networks. No referrals needed.
Book Appointments With Confidence
Participate in a cost-sharing program that has been serving customers for decades. My Private Health Insurance has helped families find the right coverage for over 37 years.
Get the Help You Need, When You Need It
Our customer service representatives are available when you need them. Take advantage of our 24/7/365 dedicated support team.
Frequently Asked Questions
Why do I need health insurance?
Health insurance supports the cost of medical care for you, your family, or your business. Without insurance, it’s up to you to pay the full cost of any care you receive, preventative or otherwise.
You may need private health insurance if your employer doesn’t offer you health insurance (e.g., you work part-time), you’re unemployed or self-employed, you’re a business owner, or you’ve recently retired.
How does a cost-sharing plan work?
Cost-sharing plans are an alternative to traditional health insurance. Members of the cost-sharing program contribute a fixed amount every month to their own savings account.
When a community member becomes ill, a request is made to cover their medical expenses. If the request is approved, the request is paid directly to the healthcare provider using community funds (pulled through other members’ savings accounts).
What is a PPO?
Cost-sharing plans are part of a PPO. PPO stands for preferred provider organization. Unlike other types of managed care, PPO plan subscribers benefit from nationwide coverage.
For instance—for families covered under My Private Health Insurance—out-of-state college students are free to seek care from local providers while staying covered.
Is My Private Health Insurance less expensive than COBRA?
COBRA costs aren’t shared with employers, which can make them quite expensive. It’s worth keeping in mind that COBRA insurance only provides you with the coverage you had under your employer—COBRA doesn’t include hospital care insurance, life insurance, or disability, among other types of coverage.
My Private Health Insurance may provide an alternative to COBRA that is less costly while more inclusive.
What’s covered and what’s not?
Every plan has its limits. It’s important to understand what a plan covers and what it doesn’t. To gain a better understanding of benefits, premiums, and deductibles, get in touch with one of our agents today. We’ll help you find the perfect coverage for your needs.
What our clients are saying
We’ve served community members across the country for over three decades.
When it came to our health insurance, we needed a quick solution. My Private Health Insurance stepped up to provide us with pricing, options and helpful advice. It’s very overwhelming trying to navigate through a sea of marketplace, COBRA, student and bridge plans. There’s nothing more comforting than finding a qualified professional to help guide you through the process. We’ve turned to My Private Health Insurance on multiple occasions to purchase medical insurance for our young children when job or school changes demanded a new policy. I would highly recommend them to help save you the stress and headaches that come with shopping for health insurance!
I had a wonderful experience working with My Private Health Insurance and will most definitely being turn to them again in the future! Everyone that I’ve worked with on their team has been super friendly and incredibly knowledgeable about health insurance options through the Marketplace and other alternative options. After asking only a few questions, they were able to suggest and help pair me with an insurance plan that fit my needs. When I called them, I was without insurance, very nervous and eager to get coverage ASAP. They understood my insistence and always replied back quickly to my emails and calls. This was my first experience using a health insurance broker and honestly, I’m hooked!
Daniel assisted me with my insurance quote and these guys are the real deal. He was incredibly patient with my many questions and guaranteed that I had all the information I needed in order to make an informed decision on my health insurance. Overall, dealing with My Private Health Insurance was a very pleasant experience. I would have no issues referring my family and friends to them.
Working with My Private Health Insurance was such a breeze! As someone who had to navigate the health market for the first time, they made the entire process so simple. Thanks to My Private Health Insurance, I’m confident that I have the best insurance plan for current situation. Saved me a lot of time and frustration. I cannot recommend them enough! THANK YOU, My Private Health Insurance.
Before working with My Private Health Insurance, I had absolutely no idea what I was doing when it came to finding health insurance. Thanks to David I now have a better understanding of how this whole industry works and have a health insurance plan that I am very happy with. David was very informative and willing to educate me throughout the whole process. Before him I had no idea that it was even an option to buy direct from insurance carriers! Thank you David and My Private Health Insurance for your professionalism and patience. You gained a lifetime customer!!
Having to figure out a new health insurance plan has got to be one of the most challenging things to do. But, Merris made the search for health coverage an easy, seamless and surprisingly enjoyable process! He provided myself and my family with an excellent health, dental, and vision plan AND saved us nearly $400 a month from the last insurance plan we had! I 100% recommend Merris and My Private Health Insurance!
Thomas and the entire team at My Private Health Insurance are incredible! They’re very knowledgeable, responsive and an overall joy to work with. Thomas went above and beyond to ensure that we came away with the best insurance plan for our family. It’s not easy to think of purchasing insurance as being pleasant but my experience with them over a period of about six months was. Thomas was well informed, honest, friendly and not in the least bit pushy. I genuinely felt like he was trying to find the best solution that fit our situation and needs. I highly recommend and would definitely use their services again!
I have been using My Private Health Insurance for many years and now they’re taking care of our whole family’s health insurance. David and Daniel are great! They are very clearly interested in educating and informing rather than making a quick sale. Their business is providing customized insurance plans and this is 100% the truth because they consistently recommend plans that meet the INDIVIDUAL needs of the customer while also keeping in mind that needs can change from year to year. Throughout my time with My Private Health Insurance, they’ve made the best health coverage recommendations while also staying up to date on the rapid changes in healthcare. I can wholeheartedly recommend David, Daniel and the entire team at My Private Health Insurance!
Health Insurance Plans
My Private Health Insurance offers private health coverage across the country that give you the accessibility of name brand PPO networks with the most affordable premiums in the nation.
Have you recently lost health insurance coverage from your employer? Spend less while staying covered where it counts.
Have you recently experienced a major life event, or lost insurance coverage from your employer? Keep yourself and your family protected with an individual health insurance plan that fits your budget.
Keep your family secure and healthy with our high-quality and affordable health insurance plans. Gain access to nationwide coverage with our name-brand PPO networks.
Are you between employers, or waiting for other healthcare coverage to take effect? Spend less and stay protected while searching for a long-term solution.
Are you looking to save on monthly premiums? Stay protected in the case of major medical emergencies with our affordable catastrophic health insurance plans.
Do you have less than 10 employees? Standard group insurance can be expensive for small businesses like yours. Empower your team while minimizing healthcare costs.
Invest in the health of your employees. Maximize benefits while controlling costs with a health insurance plan that’s customized for your business and individual employee needs.
Are you traveling for work, school, or a vacation? Take the risk out of your next trip with high-quality healthcare coverage.
Does your primary health insurance fail to cover all of your medical expenses? Our affordable supplemental policies can help.
Does your healthcare coverage exclude children? Protect your family with our high-quality and affordable health insurance plans for children.
Have you recently experienced a major life event, or lost healthcare coverage from your employer? Save as much as possible while staying protected where it counts.
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Get in touch with our team to learn more
Make your health a priority by preparing for the unexpected. Contact one of our agents today to walk through your best options.
Connect With an Agent
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