Member Stories - Knew Health

Take it from someone who's been there—you don't want to navigate life without a healthcare solution you can trust. In my early twenties, I was working at a car dealership, staying active and maintaining good health. My medical visits were primarily annual wellness check-ups. When my employer offered their staff traditional insurance at about $1,000 per month with a high deductible, I declined. Just like that, I joined millions of Americans living without healthcare protection.

Shortly after, I experienced a bicycle accident. While riding behind a friend on our way home, a car swerved toward us. Through a series of split-second events, I found myself flying over my bike. The impact from my hands hitting the concrete resulted in two fractures in my right arm, extending from wrist to elbow.

Beyond the physical pain, I faced the reality of having no healthcare solution. The fear was overwhelming. At the Emergency Room, they confirmed the fractures and provided a temporary cast, recommending I see a specialist.

A long-term cast would be expensive, and my savings were limited. Anxiety mounted alongside the medical bills. I faced an impossible choice: pay rent or seek medical help.

I chose to keep my home.

Unable to afford prescriptions or recommended physical therapy, I invested what little money I had in self-care items I could use independently. I reached out to friends for guidance and support to strengthen and heal my broken arm, along with my spirit.

A year later, I regained full extension of my arm but continued managing the financial burden. What seemed like a simple accident nearly devastated me financially. These experiences taught me invaluable lessons about both self-worth and health. Now I'm grateful to be working at Knew Health, helping others avoid similar struggles.

I pay an extraordinary amount, and we rarely need medical care! My monthly contributions before receiving any benefits or services are overwhelming.

The cost of my current high-deductible, corporation-subsidized plan is $642 monthly for our family of four (totaling $1,200 when including the corporate contribution to my portion).

My primary interest was understanding how the cost sharing model works, ensuring we'd have a reliable safety net when Medical Needs arise. After researching, I discovered that eligible Medical Needs would be shareable by our Community.

If healthcare costs are holding you back from pursuing your dreams, Medical Cost Sharing through Knew Health offers an alternative. This option provides savings you can apply to wellness care, access to the healthcare providers you prefer, and the security of Community support. Remember, Knew Health is NOT health insurance—it's a Medical Cost Sharing Community where eligible Medical Needs are shared among Members.

What Kristina values most:

• "My husband owns his business, and as my practice grows, I'll soon leave my corporate job without worrying about healthcare solutions."

• "I can invest our savings into family activities, plus preventive wellness like massage, exercise, and organic foods—all supported by our Self-Care Credit!"

My current insurance shares nothing with such a high deductible! Using it doesn't even make financial sense... Once we confirmed I was eligible for Membership, my only concern was whether unexpected serious Medical Needs would be eligible for sharing. Now that I understand they can be, I have complete peace of mind.

After researching how Medical Cost Sharing works and completing her due diligence, Holly felt confident that her needs would be met through our Community approach. With up to 3 IUAs available per year (at $1,000, $2,500, or $5,000 levels), Members can manage their healthcare expenses predictably.

What Holly values most:

"I love having more control over my healthcare dollars and increased disposable income each month for alternative treatments like acupuncture, annual blood work, seeing my Naturopath, float tanks, massage, supplements—and offsetting the cost of organic food. The Self-Care Credit helps make these wellness choices accessible!"

These stories represent real experiences from our Community Members. Individual results may vary. Knew Health is a Medical Cost Sharing Community, not health insurance. Members share eligible Medical Needs according to our Sharing Guidelines.