Discover the Freedom Care difference ↓
The Disconnect
Your effort
should have value.
Your care
should have freedom.
Before care
Traditional plan value
It’s time for a health care plan built around both.
You put effort into your health before you need medical care.
Traditional plans typically concentrate their value after care is needed.
Freedom Care
What Is Freedom Care?
A health care navigation, guidance, and care-funding model.
A better experience — with greater freedom and control along the way.
01Understand care.
02Choose care.
03Access care.
04Pay for care.
Why Freedom Care Is Different
Freedom Care is not health insurance.That is intentional.
If Freedom Care were built the same way, we would inherit many of those same limitations.
We pursue many of the goals people expect from health insurance.We simply do it differently.
The Shift to Consumer Direct Care Explore the market shift
Signals of the shift
5X+Growth in health-sharing participation from pre-2010 levels to 2018.
83%Growth in direct primary care and concierge practice locations from 2018 to 2023.
78%Growth in clinicians participating in direct primary care and concierge models during that same five-year period.
53%Increase in the average employer-sponsored family health insurance premium over the last 10 years, with average family premiums reaching nearly $27,000 per year in 2025.
49%In a study of 70 common hospital services, cash prices were lower than the hospital’s median commercially negotiated insurance price at nearly half of hospitals reporting both prices.
Health sharing, direct primary care, concierge medicine, membership models, and direct-pay arrangements are all part of a growing Consumer-Direct Health Care movement.
Traditional health insurance has you asking:
“What’s covered?”
Freedom Care starts by asking:
“How can we help you care for your health?”
Where the Value Shows Up
The Financial Difference
Freedom Care is designed to put more value within reach before a major event happens—through lower monthly contributions, Everyday Care Dollars, greater choice, and a clear path to financial protection when care becomes serious.
Traditional Health Plan
- 1High monthly premiums.
- 2Deductible often around $5,000–$8,000 before meaningful support begins, with max out-of-pocket costs reaching upwards of $12,000 or more.
- 3Network rules can limit choice of doctors, hospitals, and care professionals.
- 4Wellness, integrative, naturopathic, and longevity services are often limited or not covered.
Freedom Care Plan
- 1Monthly contribution designed to be 25%–35% lower than many traditional premiums.
- 225% of the contribution is available as Everyday Care Dollars.
- 3Freedom to use eligible dollars for care, wellness, labs, visits, and trusted professionals.
- 4Member exposure before hardship support is designed around $5,500.
How the value moves
Freedom Care Experience
Step 1
Plan DollarsUse Everyday Care Dollars first
You begin with the Everyday Care Dollars provided by the plan and use them for eligible care and wellness expenses.
→
Step 2
$5,500Then member out-of-pocket
After those plan dollars are used, you contribute up to the next $5,500 in eligible care expenses.
→
Step 3
Financial Protection PathThen hardship assistance may be available
After the defined member-responsibility layer, you may apply for assistance through the charitable Hardship Fund. Assistance is application-based and not guaranteed.
Freedom Care
Does Getting Medical Care Change?
No.
1Need care
→2Find a doctor or facility
→3Receive care
→4A bill is created
→5The financial process begins
Same doctors.Same hospitals.Same medical care.
What changes is the plan supporting you behind the care.
Freedom Care
You still choose. We help you navigate.
Freedom does not mean doing it alone.
Start with the Freedom Care Support Team when you can.
Tell us what you need. We help you find and coordinate your care.
- Understand your options
- Find doctors, specialists, or facilities
- Coordinate next steps
- Navigate the financial side of care
But the decision remains yours.
Yes.
If you need another doctor in the future, you have the freedom to choose who you want without traditional network restrictions.
Less:“Who am I allowed to see?”More:“Who is right for me?”
What Makes Freedom Care Different?
It is built around the health and care experience—not only the medical bill.
FreedomMore choice in who provides your care.
SupportPeople who can help you find and coordinate care.
UnderstandingHelp making sense of health care before, during, and after you need it.
ParticipationYour effort and involvement in caring for your health matter.
Everyday Health CareResources that support staying engaged with your health—not only responding when something goes wrong.
Financial SupportA plan designed to help with eligible medical expenses when medical care is needed.
TrustClear expectations, honest limitations, and follow-through.
Freedom Care
Two Unique Features
Education & Guidance helps you better understand care and make informed decisions. Preservation Value recognizes the effort you make to care for your health.
01
Part One
Education & Guidance
Understanding your care is part of caring for your health.
Trusted Support
Questions become informed next steps.
In Collaboration With
My Healthology Association works alongside Freedom Care to bring trusted education, guidance, and advocacy into the member experience—helping members better understand their care and what to do next.
Trusted support helps you understand options, use resources, ask better questions, and move forward with greater confidence.
- Choose a provider you trust.
- Understand tests, results, and care options.
- Prepare for appointments and important decisions.
- Navigate a diagnosis or changing care plan.
Freedom Care is not only about paying for care. It is about helping people understand care.
02
Part Two
Preservation Value
Your effort to care for your health should count.
Why Preservation Value Exists
Your effort helps protect more than your health. It helps protect the value of Freedom Care.
Your effort to care for your health can help reduce your risk of preventable illness and injury. When members make that effort together, the whole group can benefit from becoming healthier and lower risk over time.
Preservation Value is how Freedom Care recognizes that shared effort. By rewarding engagement—not health outcomes—we help members preserve value for themselves, support value across the group, and help keep Freedom Care meaningful for years and decades to come.
How Preservation Value Works
Your effort today preserves value for tomorrow.
Preservation Value helps determine how much plan value you preserve over time. Qualifying engagement helps maintain your value; if engagement falls below the required level, contributions may increase and Everyday Care Dollars may decrease until value is rebuilt.
You start with value.
A Preservation Value is provided as part of your plan.
→
Qualifying effort preserves it.
Approved healthy actions add value and help maintain your Preservation Value Average.
→
You can rebuild.
If value decreases, renewed qualifying engagement can help restore it over time.
Examples of actions that earn value
Engage in Education Modules
Visit a Health Coach
Participate in a Weight Management Program
Get Labs & Screenings
See a Dentist
Complete Preventive Care & Checkups
Stay Active & Manage Stress
★
Qualifying effort counts. Approved healthy actions can add value. Different actions can work for different people—the focus is engagement, not health outcomes.
My Freedom. My Effort. It Matters.
Hardship Peace of Mind
Despite your effortLife can still hit hard.
The Hardship Fund is there.
Some moments are bigger than what anyone can plan for. Freedom Care is aligned with the Healthology Hardship 501(c)(3) Charitable Hardship Fund to give members a place to turn when a serious illness or health event creates financial strain.
When life changes unexpectedly
You can apply for assistance.
If a serious illness or health event affects you or someone in your family, you may apply to the charitable hardship fund for consideration.
Assistance is application-based and subject to the fund’s eligibility requirements, review, and available resources.
Support may extend beyond the medical bill
Assistance can be considered for:
✓Medical expenses
✓Housing
✓Utilities
✓Food
✓Transportation
✓Caregiving
✓Other necessary household expenses affected by illness
Pre-launch rate estimate
See What Freedom Care Could Look Like for You
Find Your Freedom Care Rate
Choose your household type, enter the covered ages and ZIP code, and see your current Freedom Care rate estimate. Add your current insurance rate to see potential premium savings, and add your deductible or max out-of-pocket amount to compare it with Freedom Care's $5,500 Member Responsibility.
Freedom Care is available through My Healthology Association.
Enter your household details to begin.
Your Results
Your Freedom Care Rate
—
estimated monthly household rate
Everyday Care Dollars · Monthly
—
Everyday Care Dollars · Annual
—
Potential Savings
Potential Savings · Monthly
—
Potential Savings · Annual
—
Your Responsibility Comparison
Freedom Care Member Responsibility
$5,500
Enter your current deductible or max out-of-pocket amount to see a side-by-side illustration.
Your Amount Entered
—
Freedom Care Member Responsibility
$5,500
Illustrative comparison only. A health insurance deductible or max out-of-pocket amount and Freedom Care's Member Responsibility are different structures and should not be treated as equivalent coverage terms.
Everyday Care Dollars are your first care dollars—for eligible medical care, health, fitness, labs, wellness, and more.
Pre-launch estimate. This calculator uses the current Freedom Care prototype rate assumptions and ZIP-to-region configuration from the supplied calculator workbook. Rates, eligibility, available services, and program terms may change before launch. Freedom Care is not health insurance.
Planned Release · January 2027
Stay Connected
Interested in Freedom Care?
Freedom Care is planned for release in January 2027.
Join our interest list and we’ll keep you informed as the plan gets closer to launch. We’ll share meaningful updates, explain how Freedom Care will work, and help answer questions along the way.
✓Get launch updates
✓Learn how the plan will work
✓Ask questions before you decide
Joining the interest list is not enrollment and does not obligate you to participate.
I’m interested
Keep me updated about Freedom Care.
Tell us where to reach you. You can also send us a question now if there is something you would like to understand before launch.
We’ll use the information you provide to send Freedom Care updates and respond to your questions.
Share Freedom Care
Know someone who wants more freedom and value from their health care plan?
Health insurance costs are a struggle for many people. If Freedom Care feels like the kind of different approach you have been looking for, make it easy to share with a friend or family member who may feel the same.
Give
$25
They may receive a $25 credit toward their first-year contributions.+
Get
$25
You may receive a $25 credit toward your contributions.Give $25. Get $25.Referral credits require a qualifying enrollment connected to a member’s personal referral code.
1Share Freedom Care with someone who may see health care the way you do.
2If you have a member referral code, add it to your share link.
3If they enroll through your coded link, you may each receive a $25 contribution credit.
A different approach grows one conversation at a time.
A different approach to care.
Built around choice. Powered by effort. Supported by community. Protected by compassion.
My Freedom.
My Effort.
It Matters.
My Effort.
It Matters.