Frequently asked questions

No. A health share is a member-funded medical cost-sharing arrangement — it is not insurance and is not regulated as insurance, and assistance with medical bills from other members is voluntary. We help you understand exactly how it differs from a traditional policy. Availability varies by state.

Direct Primary Care is a flat monthly membership that gives you a direct relationship with a primary care practice — longer visits, easier access, and transparent pricing — outside the insurance billing system. It is not insurance and is often paired with a health share or a higher-deductible plan.

An Individual Coverage HRA lets an employer reimburse employees, tax-free, for individual-market premiums instead of offering one group plan. It's a defined-contribution alternative that gives employers budget control and employees more choice.

No. Journey Health Advisors is independent and insurance-company agnostic. Our recommendations are driven by your needs and strategy — never by carrier contracts or commissions.

Reach out and we'll explain how we work for your specific situation before you commit to anything. There's no pressure — our first job is to give you clarity on your options.

Yes. We help people leaving a job — including 1099 and self-employed workers — compare COBRA against lower-cost alternatives and avoid a coverage gap.

We work with clients across the US. Some products (including certain health share programs) have state-specific availability, so we'll confirm what applies where you live.