Everything You Need
To Make a Confident Decision
Understand how your plan works, manage your benefits from your phone, and hear from real members who made the switch.
What's Included in MightyWELL Bundles?
Every MightyWELL bundle is built from best-in-class programs working together — so you get real coverage, not just a card in your wallet.
Health Sharing
ShareWELL
The health sharing foundation of every bundle. Members pool resources to share eligible medical bills — large and small — after your Unshared Amount is met.
Provider Network
PHCS PPO Network
One of the largest provider networks in the US — access negotiated rates at hundreds of thousands of doctors, specialists, and facilities nationwide. CA & HI members use PRIME Health PPO.
Telemedicine
Lyric Telemedicine
24/7 access to board-certified doctors by phone or video — at $0 per visit. Get diagnoses, prescriptions, and care from home without ever stepping into a waiting room.
Prescription Savings
BestChoice Rx
Significant savings on brand-name and generic prescriptions at pharmacies nationwide. No deductible, no claim forms — just show your card and save.
Lab Work
MightyLABS
Discounted lab work at major labs nationwide. Order tests, get results, and manage your health data — without the inflated hospital lab markups.
Your Advisor
Wellora
We're not just the enrollment point — we're your ongoing guide. Wellora advisors help you understand your benefits, navigate a sharing request, and get the most out of your plan.
What Is the Unshared Amount (UA)?
The Unshared Amount (UA) is the portion of a medical bill you pay out of pocket before the health sharing community begins covering your eligible expenses. Think of it like a deductible — but with some important differences that work in your favor.
How it works — a real example:
If you have a $2,500 UA and receive a $10,000 eligible medical bill, you pay the first $2,500 and the remaining $7,500 is shared by the community — with no annual or lifetime limits on eligible expenses.
How the UA Differs from a Traditional Deductible
Traditional Deductible
- ✕Resets every calendar year
- ✕Applies to every new condition annually
- ✕Can stack multiple times per year
- ✕Separate deductibles per family member
MightyWELL UA
- Per-incident on a rolling 12-month basis
- One UA per incident — forever, even across multiple years
- Maximum of two UAs per rolling 12-month period
- Third incident in a 12-month period has no UA at all
Key UA Details
Per-incident, not per-year
The UA is applied per medical incident on a rolling 12-month basis — not a calendar year. Max of two incidents per rolling 12-month period across your entire household.
One UA per incident — forever
If a condition like cancer treatment extends over multiple years, you only pay the UA once for that incident. There is no new UA in year two, year three, or beyond.
Max of two incidents
You'll never pay more than two UAs in a rolling 12-month period. If a third incident occurs, that incident has no UA at all.
Choosing the Right UA for You
Each plan offers multiple UA options — typically $1,500, $2,500, and $5,000. Here's how to think about it:
$1,500 UA
Lower out-of-pocket risk
Sharing kicks in sooner. Best if you expect to use your benefits frequently or have ongoing health needs. Higher monthly contribution.
$2,500 UA
Balanced choice
A middle ground between monthly cost and out-of-pocket exposure. Most popular option for families.
$5,000 UA
Lowest monthly cost
Best if you're generally healthy and want to minimize your monthly contribution. You absorb more of smaller bills.
All Your Health Benefits
In One Place
The MightyWELL member app puts everything you need to manage your health coverage right in your pocket. From submitting claims to finding providers to accessing telemedicine — it's all there, 24/7.
Real Members, Real Results
Hear from people who made the switch to MightyWELL and haven't looked back.
"I was skeptical at first, but after my daughter's ER visit the claim was processed in under a week. I saved over $400 a month compared to my old insurance and the coverage was just as good."
Sarah M.
Oklahoma City, OK
"We're a family of four and were paying $1,800/month for traditional insurance. With MightyWELL we pay less than half that and our doctors are all still in-network through PHCS."
James & Linda T.
Tulsa, OK
"The Health Concierge service alone is worth it. They negotiated my hospital bill down by $2,200 and handled all the paperwork. I didn't have to do anything."
Marcus R.
Dallas, TX
"As a self-employed consultant, I needed coverage I could count on without a massive premium. The HSA Bundle fits perfectly — I contribute to my HSA and my monthly cost is manageable."
Priya K.
Denver, CO
Plan Documents
Download the full benefits guide for each plan before you enroll.
Ready to Get Started?
Our advisors are here to answer every question and help you find the right plan — at no cost to you.