Carmel Small Business Healthcare

Have you been searching for Carmel small business healthcare but seem to be coming up with few options? Finding affordable health insurance for your employees can be a challenge; traditional health insurance is far too expensive and often doesn’t meet the needs of all your employees. Thankfully, there is another option available through AffordaShare, a private medical cost-sharing program.

If you’d like to talk to a member of our staff about the healthcare options for your Carmel small business, we invite you to give us a call at 317-431-7541. If you prefer online communication, you can also reach us via email at To learn more about AffordaShare, keep reading; we’ve prepared a brief guide below to our healthcare alternative and the model it’s based on.

What Are Medical Cost Sharing Programs?

These types of programs have been in existence in the United States for more than 25 years. They were originally started by faith-based organizations that were looking for a way to provide members with the healthcare they needed without breaking the bank. Here’s how they work: members contribute a monthly fee. Those funds are then pooled together and redirected to members who incur medical expenses during the month. The structure of the program is brilliant in its simplicity.

The core principle of these programs is based on the biblical idea of sharing one another’s financial burdens. While the primary principle remains the same, medical cost sharing programs have evolved in the years since they were first created. The biggest change is that many of them (including AffordaShare) don’t require affiliation with a particular religion or denomination for membership.

Benefits of Affordashare’s Carmel Small Business Healthcare

AffordaShare is an excellent option for small business owners who want to provide their employees with top-notch healthcare at affordable rates. There are many benefits to becoming members of AffordaShare, including:

  • All Doctors and Hospitals Are “In-Network”: There are no “out-of-network” providers; members can choose any healthcare practitioner they’d like and still get their medical costs fully covered.
  • Lower Monthly Costs: Monthly membership fees for AffordaShare typically run around 25% to 50% less than the cost of traditional health insurance premiums.
  • Visits to the Doctor Are Less Expensive: As a member of a medical cost-sharing program, your healthcare costs are paid for at the time services are rendered, which earns you a cash discount from most healthcare providers.

What Does AffordaShare Cover?

Our Carmel small business healthcare covers practically everything you’d expect from a traditional insurance plan. For example, we cover minor issues such as sprained ankles, cuts that require stitches, broken bones, allergies, and the flu. We also cover major medical expenses including cancer treatment, heart surgery, emergency visits, maternity and delivery, and physical therapy. Our coverage also includes: 

  • Access to a free tele-doc service 24 hours a day, 365 days a year.
  • Yearly “Flex Pay” provided to members that can be used for a wide range of health and fitness-related expenses, including fitness trackers, over the counter medication, gym memberships, weight loss programs, exercise classes, walkers, bandages, and more.
  • Optional vision and dental benefits that can be added to plans at any time during the year (no special enrollment required).
  • A death benefit of $10,000 in the unfortunate event of a member’s passing.

How Are Program Costs Kept So Low?

There are several factors that make it possible for AffordaShare to offer such excellent coverage at a reduced rate. For starters, our overhead costs are a fraction of what you’ll find at health insurance companies; we don’t pay nearly as much for office space, staff wages, government oversight fees, utilizes, and administrative costs. With our lower operating expenses, we’re able to pass on savings to our members by offering affordable membership rates.

There are also a few expensive elective treatments that we don’t cover, which helps members save money. For example, our Carmel small business healthcare doesn’t cover gender reassignment surgery, drug and alcohol treatment programs, long-term mental health care, or elective plastic surgery procedures. These services aren’t used by most members but are very costly. By eliminating coverage of these treatments, we’re able to spread savings to all members and offer reduced monthly fees.

Contact Us for Carmel Small Business Healthcare

At AffordaShare, our purpose is to provide individuals, families, and small business owners with a more flexible and affordable alternative to typical health insurance. If you’d like to sign your small business up for our program, simply call 317-431-7541 or send an email to