MyShare
Healthcare, shared the human way
MyShare brings people together to handle healthcare costs as a community, not a corporation. Members contribute directly to one another, avoid inflated pricing, and get real support when medical needs arise. No networks, no middlemen. Just people helping people.
The healthcare system was built this way.
MyShare is how we change it.
- Choose your doctor freely without restrictive networks
- Every medical bill is reviewed for fairness and accuracy
- Support, transparency, and accountability at every step
A better model for healthcare
MyShare is a peer-to-peer healthcare community, not insurance. You pay a low monthly subscription, set your personal contribution cap, choose your provider, and receive support when you need it.
🧾Subscribe
Your subscription supports MyShare's operations, advocacy, and member services, giving you access to care coordination, bill review, and negotiation when you need it most.
🧭Choose Any Provider
See any licensed provider you trust, or use our tools to find high-quality, cost-effective care options aligned with your health and financial goals.
📊Set Your Monthly Cap
Based on your membership type and household size, your cap defines the most you may be asked to contribute each month toward other members' verified bills.
💚Help and Get Help
Your contributions sit safely in your MyShare wallet. Each month you may be matched to fund another member's eligible bill. When you face a health event, the community contributes to yours.
Note: MyShare is a peer-to-peer healthcare program, not insurance. Learn more in our Program Handbook or visit the FAQ.
Guides and insights
Practical insights to help you navigate healthcare, save money, and get the most from your MyShare membership.
What's eligible
Transparent about what's covered and what isn't. No surprises.
Eligible Expenses Covered
- 🩺Preventive screenings and annual wellness
- 🏥Physician and hospital services
- ⚕️Urgent and emergency care
- 🚑Ambulance transport
- 🔬Testing, diagnostics, and imaging
- 💊Prescriptions, vaccinations, and Rx discounts
- 🧠Zero copay counseling services
- 📞Zero copay urgent care telemedicine
- 🤰Maternity care
- 🧩Physical therapy and occupational therapy
- 🌿Chiropractic adjustments
- 🧘Acupuncture and integrative therapies
- 🦽Durable medical equipment: crutches, braces, monitors, CPAP supplies
- 🏡Home health services
- 🩻Specialist visits: dermatology, orthopedics, cardiology, ENT, and more
Not Eligible Not Covered
- ✨Elective or cosmetic procedures
- 🚫Services not medically necessary
- 📄Items outside the Membership Handbook
Build your plan, see your price
Toggle the coverage options your household actually needs. Your estimated monthly total updates live.
Built for people, not paperwork
MyShare is for anyone who wants better care without corporate middlemen. Individuals, families, and groups who believe community beats complexity.
Individuals
Join a community that helps cover medical costs directly. Transparent, fair, and personal. Ideal if you want an alternative to traditional insurance.
Contractors and gig workers
Keep your independence and choose your providers freely. Your membership stays with you from job to job with predictable monthly limits.
Families
Support your household with clear costs and real help when you need it. Sharing plus advocacy makes family healthcare simpler.
Early retirees (pre-Medicare)
Stay supported between coverage stages. Community-funded care without network lock-ins or confusing renewals.
Between healthcare plans
Changing jobs or life stages? MyShare helps you stay connected to member-backed support during the gaps.
Small employers and groups
Give your team a better experience with predictable costs and fewer surprises. Built on people and purpose, not paperwork.
Up and running in minutes
Built for anyone seeking affordable care with better outcomes.
Choose Membership
Pick the option that fits your budget and risk comfort.
Create Account
Enroll yourself or your team and set your monthly ask cap.
Open Wallet
Activate your MyShare Wallet and card where available.
Get Care
Upload bills, get verified, and receive support from the community.
MyShare is not insurance. Contributions are voluntary and made member-to-member. Eligibility, limits, and review criteria apply. See the Membership Handbook and FAQs.
Common questions
Everything you need to know about how MyShare works.
Is there an application fee?
Yes. A one-time $100 application fee applies and is charged separately. The fee is non-refundable and helps cover onboarding, eligibility checks, medical review, and related administrative costs.
Is there a waiting period for new members?
Yes. New members have a 90-day waiting period before new needs become eligible for community funding. This allows time for verification, onboarding, and contribution stability.
Is MyShare insurance?
No. MyShare is a peer-to-peer healthcare community. Members contribute directly to each other's verified bills based on individual caps and eligibility rules.
Can I keep my doctor?
Yes. See any licensed provider. We'll help you compare quality and pricing, and we can work with your provider to request fair rates.
Who holds my money?
You do. Your contribution funds stay in your MyShare wallet and are used to fund verified bills when matched. They are not commingled with subscription revenue.
How are bills verified?
We review submissions for eligibility, medical necessity, and accuracy, and we benchmark pricing. Only verified bills can be matched for funding.
What does advocacy include?
Navigation, price checks, repricing and fee negotiation, and provider coordination. We work to secure fair, transparent rates and simpler billing on your behalf.
What do I pay each month?
A subscription for tools and support, plus contributions when matched to a verified bill, up to your Monthly Ask Cap for your plan and household. You may choose to give more.
What is the Monthly Ask Cap?
Your personal limit on requested contributions in any month. It sets your predictable exposure. If you change plans or age tiers, your cap may change accordingly.
How do funding requests work?
Upload bills in the app. We verify and negotiate. You cover your Member Commitment, then the remaining eligible amount is matched to community contributions and sent to your wallet.
How do I pay at checkout?
Use your MyShare wallet or Visa debit (where accepted) to pay approved, funded expenses at time of service, helping you capture cash pricing.
Are pregnancies eligible?
Pregnancy eligibility, waiting periods, and contribution amounts depend on the membership you select. See the Membership Handbook for details.
What about pre-existing conditions?
Pre-existing conditions may be subject to waiting periods or limits. Refer to state availability and full terms in the Membership Handbook.
What if a bill isn't fully funded right away?
We continue outreach and matching. Verified bills can also receive additional voluntary support from members who choose to give beyond their cap.
What if a provider won't accept the card?
You can pay out of pocket and upload the bill for verification and reimbursement through your wallet once funded.
Is MyShare regulated like insurance?
No. MyShare is not insurance and does not guarantee payment of medical expenses. It's a direct, member-to-member contribution model with verification and negotiation.
Are contributions tax-deductible?
Contributions are voluntary and generally not tax-deductible like insurance premiums. Consult your tax advisor for guidance specific to your situation.
Can I use MyShare with existing insurance?
Yes. Many members use MyShare to help with out-of-pocket costs, non-covered services, or to access fair cash pricing outside networks.
Where is MyShare available?
Availability can vary by state. For current availability and rules, see the Membership Handbook.
How fast are bills funded?
Once verified, most eligible bills are funded to your wallet within a few business days, depending on case complexity and matching volume.
What happens if I cancel?
You can cancel anytime. Your wallet reflects finalized transactions. Balance is automatically contributed to pending verified bills until fully exhausted.
Talk to a Guide
We'll help you compare options, pick a plan, and get fair prices from providers.