Insurance Navigator
Every health coverage option available to 1099 physicians — from traditional insurance to Bitcoin-native alternatives. Filter by your situation and find what fits.
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₿ Bitcoin-Native: Peer-to-peer models aligned with sovereign, freedom-first values. Not regulated insurance.
🤝 Health Sharing: Community-based cost sharing. Not regulated insurance — no ACA guarantees, but often dramatically cheaper.
🏛️ ACA Marketplace: Federally regulated. Guaranteed issue, 10 essential benefits, subsidy eligible.
🏥 Traditional Insurance: Traditional regulated insurance from major carriers. Comprehensive but expensive.
⚡ Hybrid/Sovereign: Strategic combinations that maximize coverage per dollar. Built for the sovereign professional.
8 options matched
⚡ 3 top matches for your profile
Top Match for Your Profile
CrowdHealth
Peer-to-peer healthcare crowdfunding. Built for freedom.
Monthly Est.
$60–$200
Family of 4: $60–$480
Your Share / Event
$500 per health event
Not insurance. Health sharing is not regulated insurance and does not provide ACA guarantees. Review all terms before enrolling.
Best For
Top Match for Your Profile
Sedera
Secular health cost sharing. No faith requirement.
Monthly Est.
$130–$200
Family of 4: $350–$600
Your Share / Event
$500–$5,000 (choose your IUA)
Not insurance. Health sharing is not regulated insurance and does not provide ACA guarantees. Review all terms before enrolling.
Best For
Top Match for Your Profile
Zion HealthShare
Non-profit health sharing. No faith requirement.
Monthly Est.
$120–$250
Family of 4: $300–$550
Your Share / Event
$2,500 per member per year
Not insurance. Health sharing is not regulated insurance and does not provide ACA guarantees. Review all terms before enrolling.
Best For
Direct Primary Care + Catastrophic Plan
The sovereign physician play. Own your primary care, insure against catastrophe only.
Monthly Est.
$100–$250
Family of 4: $300–$600
Your Share / Event
$5,000–$10,000 deductible on catastrophic plan
Best For
Christian Healthcare Ministries (CHM)
The original health sharing ministry. Faith-based cost sharing.
Monthly Est.
$98–$150
Family of 4: $294–$449
Your Share / Event
$1,000 per illness
Not insurance. Health sharing is not regulated insurance and does not provide ACA guarantees. Review all terms before enrolling.
Best For
Liberty HealthShare
Faith-based sharing with broad eligibility.
Monthly Est.
$199–$449
Family of 4: $549–$849
Your Share / Event
$1,000–$2,250 annual unshared amount
Not insurance. Health sharing is not regulated insurance and does not provide ACA guarantees. Review all terms before enrolling.
Best For
Medi-Share
Christian health sharing with nationwide provider network.
Monthly Est.
$89–$350
Family of 4: $400–$900
Your Share / Event
$1,000–$10,500 annual household portion
Not insurance. Health sharing is not regulated insurance and does not provide ACA guarantees. Review all terms before enrolling.
Best For
ACA Marketplace Plans
Federally regulated plans via Healthcare.gov. Subsidy eligible.
Monthly Est.
$200–$600 (before subsidies)
Family of 4: $800–$2,200 (before subsidies)
Your Share / Event
$1,500–$9,100 annual deductible
Best For
Important Disclaimer
This tool is for informational purposes only and does not constitute insurance or financial advice. Health sharing ministries and peer-to-peer platforms are not insurance and do not provide ACA consumer protections. Always review full plan documents and consult a licensed insurance professional before enrolling. Cost estimates are approximate and vary by age, location, and health history.