Carmel Small Business Healthcare

Are you looking for a Carmel small business healthcare alternative that offers extensive coverage and affordable monthly rates? If so, then you’ve come to the right place. At AffordaShare, we offer exceptional medical coverage that won’t place a heavy financial burden on you or your employees.

What is AffordaShare?

AffordaShare is a private medical cost sharing program designed to provide individuals, families, and small businesses with exceptional healthcare at a fraction of the cost of traditional health insurance. Medical cost sharing programs are able to provide this high level of coverage thanks to their unique approach to healthcare. Here’s how it works: Each participant contributes a pre-determined monthly membership fee. All membership fees are pooled together then distributed to those with healthcare costs that month. It’s a simple, but effective way to provide coverage when it’s needed while keeping costs down. 

While this type of program is still relatively unknown to most Americans, medical cost sharing plans like AffordaShare have been operating in the United States for more than 25 years. These programs were originally created in response to the terrible inefficiency and high cost of the traditional health insurance system. 

While medical cost sharing plans were originally developed by faith-based communities, many of them—including Affordashare—do not require a specific religious affiliation for membership. Since their initial creation, medical cost sharing programs have benefited a wide variety of people across the country; in fact, more than a million people in the United States have become members in programs like AffordaShare

Benefits of Our Carmel Small Business Healthcare

AffordaShare is an excellent option for small business owners who want to offer their employees affordable healthcare coverage. As members of AffordaShare, your employees will be able to visit any doctor or healthcare provider they choose. There’s no distinction between in-network or out-of-network with AffordaShare—all providers are covered. 

Your employees will also save a considerable amount of money through their coverage with AffordaShare. When your employees visit their healthcare provider, they’ll be designated as “Self-Pay Patients.” Because the doctor’s office staff doesn’t have to waste time filing with insurance, your employee will be charged a reduced rate. Our monthly membership fees are also a lot lower than the typical rate of health insurance premiums; overall, your employees could end up saving between 25% to 50% off the cost of traditional healthcare. 

Those are just a few of the many benefits of AffordaShare membership Additional benefits include: 

  • A free Tele-Doc service that’s available any time, day or night
  • Access to additional “Flex Pay” money to cover health and fitness expenses like gym memberships, weight loss programs, fitness trackers, walkers, canes, braces, and even bandages
  • Additional dental and vision coverage that can be amended to your basic plan at any time
  • A $10,000 death benefit to help cover costs in the unfortunate case of an enrolled family member’s death
  • Multiple program levels available so members can find coverage that works for them
  • No special enrollment period so employees can sign up whenever they’d like

FAQs About AffordaShare’s Carmel Small Business Healthcare

To help you gain a better understanding of our medical cost sharing program, here are answers to some of the most common questions we receive:

Is There a Deductible?

The program does include something similar to a deductible, which we call the “member’s annual portion amount.” This is the amount that each member is responsible for paying outside of regular office visits and annual wellness and preventative care. The dollar amount of this annual portion is typically lower than a traditional deductible and is determined by each member based on their needs and budget. 

How Are Costs Kept So Low?

There are several factors that allow us to keep costs low. For starters, our program model is much more efficient than traditional healthcare which leads to reduced operating expenses. We also don’t cover a few costly services like treatment for drug or alcohol addiction, gender reassignment surgery, and long-term counseling for mental health issues that tend to drive up the cost of healthcare.

Are Emergencies Covered?

Absolutely! If you experience a healthcare emergency, head to your nearest hospital. When filling out paperwork, just indicate that you’re a cash pay patient then submit the bills you receive to us for processing. 

How Do I Enroll In Your Carmel Small Business Healthcare?

Enrolling is easy; all you have to do to get started is contact us by phone at 317-431-7541 or send a message to