Hysterectomy · Sep 2026
$78,405 hospital bill. She paid $0.
- Billed
$78,405- Negotiated off
- -$71,684
- Shared by the community
- $6,720
- She paid
- $0
NEW Self-enrollment. No sales appointment required.
The health plan you do yourself.
See your real monthly price in 60 seconds. No email, no phone number. Then understand exactly what you are getting and enroll online in about 10 minutes, on your own time.
Real price first. The number before anyone knows who you are.
Zero guesswork. Copays, your unshared amount, and pre-existing rules explained before you enroll.
Agents on standby. Licensed help at 800-814-8864, only if you ask.
MightyWELL plans are not insurance. Savings vary. You confirm the full disclosure before you enroll.
10,000+members served
40%+avg. savings
1M+providers nationwide
5.0Google rating
Who it's for
Built for people who pay their own way.
Self-employed and 1099
No employer plan? Price it yourself in four taps.
Families
You, your spouse and your kids on one membership.
Early retirees
Bridge the gap until Medicare at 65.
Priced out elsewhere
Members save 40%+ on average.
Four taps. Three checkmarks. Enroll.
You do it yourself, start to finish. Nothing is hidden behind a phone call.
What your number actually buys.
One membership, two parts: everyday care with fixed copays, and a health sharing community for the big stuff. Built from your answers in the price tool.
Everyday care
Administered benefits with fixed copays. No coinsurance.
Primary care $206 visits per year
Specialist and urgent care $504 visits each per year, no referral needed
Lyric virtual urgent care $024/7, unlimited
ACA preventive care $0Up to $2,500 per member per year
Prescriptions $0 / $15 / $40 / $65Top 200 generics free; other generics, preferred, non-preferred. 65,000+ pharmacies
Labs $0, imaging $150Through the labs and imaging concierge (not in NY, NJ, RI)
Chiropractic $35, X-ray $50, advanced imaging $200Visit limits apply
+
Major events
ShareWELL health share. You pay your unshared amount, the community shares the rest.
Surgery
Hospitalization
Accident and emergency
MaternityOne unshared amount covers the whole pregnancy
Major illness
Example: an $18,500 ER bill on your plan
Your unshared amount is $2,500 per eligible event. Your household never pays more than $5,000 in any rolling 12 months. No annual or lifetime sharing limit once it is met, subject to ShareWELL Member Guidelines. Tobacco use is already reflected in your price.
Columbus walks you through the whole thing
An 11-minute tour of how MightyWELL works, narrated by Columbus. Watch it here or keep scrolling; everything in it is written out on this page.
Concierge bundle figures from the MightyWELL Concierge Membership Bundle Guide v3. Copays are the same in and out of network. Out of network you pay the visit, submit the bill in the app, and are reimbursed less your copay. Read the guide (PDF).
Like what you see? Enrolling takes about 10 minutes.No calls, no appointment. You do it yourself.
Enroll now →Real bills
Real bills. Real members.
That $18,500 example above? Here is what it looks like for real. Every case is different.
$2.1Mshared toward medical bills
509members helped
44MightyWELL babies
Three hospital stays · Jul 2026
$343,668 billed. Member paid $3,000.
- Billed
$343,668- Negotiated off
- -$324,237
- Shared by the community
- $16,431
- Member paid
- $3,000
Broken nose · May 2026
$15,595 bill. He paid $1,500.
- Billed
$15,595- Negotiated self-pay rate
- $1,586.87
- He paid
- $1,500
New baby · Aug 2026
$27,780 delivery bill. Family paid $1,500.
- Billed
$27,780- Negotiated and written off
- -$22,000
- Shared by the community
- $4,280
- Family paid
- $1,500
Real member cases shared by MightyWELL. Unshared amounts depend on the plan; the Concierge plan offers $2,500 or $5,000. Health sharing is not insurance and payment of medical expenses is not guaranteed.
See my priceAlmost there
Three checkmarks, then you enroll.
Check all three boxes below to unlock your enrollment button. You will see the same three again inside the portal, so nothing there will be new.
$360/monthIndividual, age 35, non-tobacco, $2,500 unshared amountChange
This is not insurance.
Read the details
MightyWELL is a healthcare platform that facilitates access to bundled healthcare programs administered by independent third-party organizations. ShareWELL is a voluntary health sharing community, not owned or operated by MightyWELL. Participation is voluntary and payment of medical expenses is not guaranteed. No individual component or combination of components is designed to function as comprehensive major medical insurance. In exchange, members typically pay far less per month, use any licensed provider, and have no coinsurance on everyday care.
Question about this? Ask Columbus Call 800-814-8864.
How your unshared amount works.
Read the details
You picked $2,500. On an eligible major event you are responsible for the first $2,500 of bills; once that is met and documented, the community shares the eligible expenses above it. Requests are per member, per incident. Bills must reach the unshared amount within 6 months. Non-emergency procedures need 2 weeks advance notice to ShareWELL. You present as a self-pay patient, and ShareWELL is secondary to any insurance you already have.
Question about this? Ask Columbus Call 800-814-8864.
Pre-existing conditions phase in over time.
Read the details
A condition is pre-existing if it was examined, treated, medicated, or symptomatic in the 24 months before your start date (37 months for cancer). Sharing for that condition on major events phases in by membership year. New conditions after enrollment are eligible from day one, and everyday care for any condition (visits, prescriptions, labs) runs through the copay side regardless.
| Membership year | Sharing for a pre-existing condition |
|---|---|
| Year 1 | Not eligible (waiting period) |
| Year 2 | Up to $30,000 per request |
| Year 3 | Up to $60,000 per request |
| Year 4 | Up to $150,000 per request |
| Year 5 and beyond | No limitation |
Quick self-check: diagnosed, treated, or on medication for anything in the last 24 months?
Then the phase-in does not apply to you today. Anything new after your start date is eligible for sharing from day one, after your unshared amount.
Everyday care for it works normally from day one. A major event caused by that same condition follows the table. Controlled high blood pressure, high cholesterol, thyroid conditions, and type 2 diabetes are not treated as pre-existing if there was no hospitalization for it in the last 12 months. Not sure which bucket you are in? Call 800-814-8864 before you enroll. That is what the agents on standby are for.
Question about this? Ask Columbus Call 800-814-8864.
Check all three boxes above to unlock your enrollment button. (0 of 3)
Check your doctor and your prescriptions.
Optional, two minutes. You are not restricted to one network, but checking now means your first visit has zero surprises.
Your doctor
Open access: any licensed provider in the country, no referrals. Two partner networks carry pre-negotiated rates and simpler billing: PHCS (strongest on the East Coast and in metros) and Prime Health Services (the West and rural areas). Together they span all 50 states.
Your prescriptions
The ValuScript plan works at 65,000+ pharmacies. ACA preventive medications and the top 200 generics are $0; other generics $15, preferred brands $40, non-preferred $65, subject to plan limits. Specialty medications may fall outside the standard tiers. Your RX card lives in the app: show it at the pharmacy, pay the discounted price.
Doctor checked? You are ready to enroll.No calls, no appointment. You do it yourself.
Enroll now →Enroll in the secure portal.
About 5 to 10 minutes on MightyWELL's enrollment portal, in three phases: Details, Benefits, Review. Here is exactly what it asks, so nothing catches you off guard.
Have these ready before you click
- 1Your Social Security number or TIN. The first portal screen asks for it, before plan selection. It is used for identity verification and membership records.
- 2Date of birth, phone, and email for each person being enrolled.
- 3A payment method for your first month.
- 4Your answers from the price tool. The portal asks again.
- 5Five minutes for the ShareWELL membership principles: community ethics, a statement that ShareWELL considers itself accountable to a higher power and welcomes all faiths, abstaining from illicit drugs and excessive alcohol, binding arbitration, and cooperating with bill negotiation.
When you tap Go to Secure Enrollment, we will ask if you are working with an agent and open the right enrollment link for you.
Start your enrollment
You have your price, you know how the plan works, and you have confirmed the three things everyone should know. The rest is yours.
Go to Secure Enrollment →Unlocks when you tick the three boxes above.
Rather talk it through first? That number reaches a licensed agent, not a call center. You will never get a call you did not ask for.
What membership looks like from day one.
Published before you enroll, on purpose. You should be able to see the whole thing before you commit.
Welcome and app setup
Welcome email, the MightyWELL app (iOS and Android), digital ID cards, and your member portal login. Try the app demo below.
Get set up
Verify your doctor, save your RX card, and know your Lyric number so a 2 a.m. fever is a $0 video visit.
Show your card, pay your copay
In-network: show your ID card, pay the copay. Out-of-network: pay the visit, submit the bill in the app, get reimbursed less your copay.
Call advocacy first
Your concierge advocacy team helps you open a ShareWELL sharing request, present as self-pay, and negotiate the bill before anything is due.
Try the MightyWELL app right here.
Tap around the real member app demo: ID cards, Ask Columbus, claims, and messages. This is what you get on day one.
Digital ID cardsYour plan ID cards anytime, right from your phone.
Claim trackingSubmit a bill and follow it with status updates at every step.
Find providersSearch doctors and specialists in the open network.
Ask ColumbusGet answers about your benefits from the built-in AI assistant, 24/7.
Interactive demo with sample member data, provided by MightyWELL Health.
That is the whole thing. Ready when you are.No calls, no appointment. You do it yourself.
Enroll now →What members say
Verified Google reviews of MightyWELL Health.
★★★★★
My wife recently broke her ankle and the entire experience was incredibly smooth and stress-free. The hospital and all the doctors were paid in full on the very day of surgery.
★★★★★
MightyWELL saved me a lot of money on premiums and paid, as they said it would, when I used it. I am a very satisfied customer.
★★★★★
Two weeks into my policy I had a very memorable life lesson. MightyWELL served me exactly as intended when I needed it most. The entire balance was resolved and lifted from my family.
★★★★★
I needed to bridge between retirement and Medicare. COBRA and the ACA were crazy expensive. MightyWELL walked me through my options and found a solution that truly fit.
★★★★★
My wife and I joined, and we could not be happier. It has been easy to use, and the price is $800 less than our old plan.
★★★★★
I had been without coverage for about 15 years due to cost. MightyWELL was affordable with great coverage, and now I am covered.
★★★★★
Great service when I need it. Easy consumer-driven model that is innovative and proven for great healthcare outcomes. Best of all, you can go anywhere for care.
★★★★★
Happy with my plan. The app does an excellent job explaining what is covered, especially the AI features that answer questions.
Individual results vary. Reviews are of MightyWELL Health membership and are reproduced from Google.
Real humans. Zero pressure. Only if you ask.
"No salesperson required" does not mean no help. Licensed agents answer this number, and after you enroll you still get claims support, healthcare advocacy, and direct app messaging. What you will not get is a call you did not request.
Quick answers
Is MightyWELL traditional major medical insurance?
No. MightyWELL is a healthcare platform that combines multiple third-party healthcare components. The ShareWELL component is a voluntary health sharing arrangement and is not insurance.
Does ShareWELL automatically pay every hospital bill?
No. ShareWELL reviews sharing requests under its Member Guidelines. The member must meet the applicable unshared amount and follow eligibility, documentation, coordination, and other guideline requirements. Certain services have limits, allowances, waiting periods, or may be ineligible.
What is not shared?
Mental health treatment (except one lifetime ER event up to $10,000), routine dental and vision, fertility and IVF, birth control, elective procedures, and complications from weight-loss drugs unless prescribed for diabetes. There is a 90-day initial ineligibility window for gallbladder, kidney stones, cancer, tumors, and female reproductive organ conditions. Some categories carry per-request allowances, such as recovery therapies ($3,500), injections and regenerative procedures ($5,000), non-emergency ER ($10,000), and home healthcare ($3,000).
How does maternity work?
One unshared amount covers the whole maternity journey, with a prenatal and postnatal allowance up to $6,000 and no sharing limit on delivery services. Pregnancy-related complications are eligible, and newborn congenital conditions are eligible up to $125,000 if the baby is added within 30 days. Conception within 30 days of your start date is not eligible, and the Maternity Sharing Request must be filed within 15 days of confirming the pregnancy.
Where is the full bundle guide?
The Concierge Membership Bundle Guide (version 3, revised 2026) is the authoritative document for every figure on this page. Read the guide (PDF). The ShareWELL Member Guidelines are published at sharewellhealth.org.
Is there life insurance with this?
Not in the bundle. MightyWELL separately offers QoL Term Life with Living Benefits, which is real insurance: a cash benefit of up to $2 million that can be accessed on a qualifying chronic, critical, or terminal diagnosis. It is quoted and underwritten on its own. Learn about Living Benefits.
Why does the price not require my email?
Because you should be able to see the number before anyone knows who you are. If you want your quote emailed to you, there is an optional link on the price screen. Otherwise no contact information is collected until you start the secure application.