Low-cost health plans,

high quality care

Health coverage that puts people first.

Why choose us?

Low-Cost Health Coverage simplifies your choices and strengthens your care.

Powered by our partnership with Impact Health Sharing

At Low-Cost Health Coverage, we believe healthcare shouldn't be confusing, overpriced, or impersonal.
That’s why we’ve created a better alternative to traditional insurance, one that puts people, not paperwork, at the center. Traditional health insurance is built around red tape, high premiums, and surprise bills. We’re different.

Low-Cost Health Coverage is designed to be simple, transparent, and truly supportive, especially for families and individuals who need dependable care without breaking the bank.

Compare the difference

Traditional Health Insurance

Impact Health Sharing

Monthly premiums

• $400–$1,200+ per person depending on age, location, and coverage level. Costs increase yearly.

• Save 30%–70% monthly on average compared to traditional plans. Predictable rates based on household, not individual members.

Deductible

• High per family member, often $3,000 to $7,000 per person before coverage begins.

• As low as $2,500 per household (called PRA - Primary Responsibility Amount). One simple amount for the whole family.

Doctor access

• Must stay in-network or pay higher out-of-pocket costs. Limited provider lists based on insurance contracts.

• Choose any provider or facility nationwide freedom with no restrictive networks. Keep your current doctors.

Prescription (RX) pricing

• Drug costs vary widely, and name-brand prescriptions can be expensive even with insurance.

• Discounted RX pricing through a secure member portal. Save on generics and brand-name medications.

Co-pays and providers fees

• Expect higher co-pays ($30–$75+) and coinsurance (20%–40%) for visits, labs, and treatments.

• Lower co-pays and co-shares. Transparent fee structures and typically reduced provider costs for members.

Telehealth access

• Not always included. Often a separate add-on with extra monthly cost or per-visit charge.

• Included 24/7 with $0 visit fees. Talk to a licensed provider from anywhere, any time, no hidden costs.

Migrant & non-citizen coverage

• Many plans require SSN or legal residency. Migrants often not eligible.

• No SSN required. Available for members in the U.S., Mexico, Guatemala, and Canada, millions qualify regardless of immigration status.

Portability

• Coverage may end if you lose your job or move to another state.

• Portable across states, no job dependency, great for self-employed, gig workers, and families on the move.

Enrollment flexibility

• Must wait for Open Enrollment or Qualifying Life Events.

• Join any time of year, no enrollment windows. Get started when you’re ready.

ABOUT LOW-COST HEALTH COVERAGE:

Your partner in simple, stress-free healthcare solutions.

Low-Cost Health Coverage proudly partners with Impact Health, one of the leading healthcare coverage providers in the United States. Together, we bring you high-quality care with affordable rates, easy-to-use plans, and flexible options to fit every budget.

Our goal is clear: provide affordable health coverage that delivers the same high-quality care you deserve. Whether it’s for you, your family, or your business, we provide peace of mind knowing your health and finances are protected.

From everyday doctor visits to unexpected emergencies, our plans are designed to give you the care you need, so you can focus on living your life, not worrying about medical bills.

Learn more

All types of plans for all types of people

Health Coverage

Affordable, accessible health coverage that puts people first. Get essential care, from doctor visits to preventive services, with flexible, low-cost plans designed to protect you and your family without the high premiums.

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Life Coverage

Protect your family’s future with affordable life insurance you can count on. Our life coverage plans are built to be simple, transparent, and affordable, giving peace of mind without overwhelming your finances.

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Medicare Coverage

We make navigating Medicare easier. Whether you need Original Medicare support or are exploring supplemental plans, our affordable options provide clarity, choice, and coverage that fits your life.

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Medicaid Coverage

We strengthen your Medicaid with added benefits and real support. Through our partnership with Impact Health Sharing, we help you fill gaps, reduce costs, and get the most from your state-provided benefits.

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Long-Term Care Coverage

Planning ahead has never been easier. Our long-term care options help cover extended services like nursing care or assisted living, ensuring you or your loved ones are never left without support.

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Final Expense Coverage

Make things easier for your family by securing low-cost final-expense insurance today. Cover funeral and end-of-life costs affordably, with coverage designed to provide dignity, not debt.

Shop final expense coverage

Need coverage for yourself or

your loved ones?

We make it simple. In minutes, we’ll help you find personalized, budget-friendly options for every kind of coverage, no stress, no guesswork.

Get a personalized recommendation

Better health begins with better coverage

At Low-Cost Health Coverage, your care journey starts with respect and results. We believe healthcare should be as straightforward as it is supportive and always affordable.

Easy to understand

Skip the confusion. Get clear, helpful answers and feel confident using your benefits from day one.

Care that cares

Access trusted providers and real support that’s always focused on your well-being, not just the paperwork.

Coverage you can count on

Find plans that meet your needs and your budget without cutting corners on care.

Frequently asked questions about health coverage

What is health insurance?

Health insurance is a service that helps cover the cost of your medical care, things like doctor visits, hospital stays, medications, surgeries, and preventive checkups. Without it, even a single medical emergency could cost thousands of dollars. Having health coverage gives you financial protection and peace of mind, knowing you’re prepared for life’s unexpected health needs.

How is health insurance different from health coverage?

Great question! Health insurance usually refers to plans provided by private insurers, employers, or the government (like Medicare or ACA plans). Health coverage, on the other hand, is a broader term that includes other options, like health sharing programs (e.g., Impact Health) or alternative affordable plans. Both are designed to help reduce your out-of-pocket medical costs.

Do I need health insurance even if I'm healthy?

Yes, and here’s why: No one plans to get sick or injured. Even healthy individuals can face unexpected medical issues like a car accident or sudden illness that result in high costs. Affordable health coverage helps protect your health and your finances, no matter your current condition.

What does a typical health plan include?

Most low-cost health coverage plans cover essential services like doctor visits, preventive care, emergency room visits, lab tests, and prescription drugs. Some may also include mental health care, telehealth, and maternity services. If you're enrolled in a specialized plan, additional options like dental and vision may be available too.

How do I choose the right health plan for my needs?

Start by thinking about your monthly budget, your typical medical needs, and whether you want to keep your current doctor. Then compare plans based on things like premiums, deductibles, and provider networks. If that sounds overwhelming, don’t worry—our team can help you find a plan that fits your health goals and financial situation.

When will my coverage begin after I sign up?

That depends on the plan. Some low-cost health coverage options start as soon as the first of the next month, while others offer even faster enrollment. We’ll help you pick a plan with a start date that works for you, so you’re never left uncovered.

What is a deductible and how does it affect me?

A deductible is the amount you pay for healthcare services before your plan starts sharing the costs. For example, if your deductible is $1,000, you'll pay that first, then your plan kicks in to help cover more. Lower deductible plans offer quicker cost-sharing, but usually come with higher monthly premiums. We’ll help you find the right balance.