Disclaimer: If you are here, then you probably do not like traditional health insurance in the United States. I get it. That is why I made this website. This post is primarily for completeness sake. Just because alternatives exist does not mean they are great alternatives. In a perfect world, you would be able to purchase a low-cost catastrophic health insurance plan and pay cash for the rest of your medical bills. Catastrophic health insurance is not available to most people though due to regulatory reasons.
A high deductible plan is the closest thing you can get. It is what I recommend getting and pairing with direct primary care. I also recommend pursuing cash-based medical care whenever possible. I believe it leads to better service and lower costs.
A fixed Indemnity plan is an okay alternative to health insurance if you are particularly wealthy and can handle a potentially catastrophic bill that is only partially reimbursed. It can also be an okay alternative if you are particularly healthy, and you only need it for a short period of time.
I personally would never sign up for a Health Share plan. They have no legal obligation to reimburse you.
Fixed Indemnity Health Plans:
These plans charge a monthly fee. They pay a pre-determined amount directly to you for specific medical services or events. These pre-determined amounts are typically less than what you will actually be charged for the service, but that is not always true. Sometimes the pre-determined amounts are very close or potentially more. Check-ups, preventive care, labs, and prescriptions are generally not reimbursed. Hospitalizations, surgeries, ER visits, and other catastrophic medical events generally are reimbursed with the pre-determined amount.
Atlas Direct
Health Share Plans:
These plans charge a monthly contribution. This monthly contribution gets put into a pool. Health Share plans typically have a specific list of qualifying medical expenses. When you incur one of these qualifying medical expenses, you make a request for reimbursement. There is often an amount you have to pay out of pocket first before money from the pool will be shared with you for the qualifying medical expense. Heath Share plans often have a religious or other lifestyle affiliation. They may require you to make a statement saying you adhere to a certain set of principles or lifestyle.
Zion HealthShare
Sedera
Liberty HealthShare
OneShareHealth
MediShare