$5,000 MRA per member, per calendar year
Caring & Sharing LiveWell Membership
Healthcare sharing centered on compassion, community, and choice.
Learn how LiveWell works, compare 2026 monthly contribution amounts, search the First Health provider network, and decide whether healthcare sharing may fit your household.
Prefer to enroll? Choose enrollment assistance in the form below and a representative will help.
- Established community
- First Health network access
- 30-day member experience
Member-to-member sharingMonthly contributions are placed in an escrow account for eligible medical needs.
Freedom to seek careUse the First Health network and present your Caring & Sharing member ID card.
Guidelines governWaiting periods, MRAs, limits, and eligibility rules apply.
A simple member experience
How healthcare sharing works
Members contribute monthly, eligible medical needs are reviewed under the Membership Guidelines, and shareable amounts are paid from the membership escrow account.
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1
Join the community
Complete the enrollment application, agree to the Statement of Standards, and submit the required contribution and Membership Commitment Form.
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2
Use your membership
Choose a provider, show your virtual member ID card, and ask the provider to follow the billing instructions on the card.
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3
Needs are reviewed
Caring & Sharing determines eligibility, applies the applicable MRA or co-share, and sends an Explanation of Sharing.
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4
Eligible amounts are shared
Shareable amounts are paid directly to the provider, or the member may be reimbursed when eligible self-pay expenses are properly submitted.
Not a claims process
Members share eligible medical needs; they do not file insurance claims.
You remain responsible for your medical expenses as a self-pay patient. Eligibility is determined under the current Membership Guidelines.
2026 LiveWell options
Estimate your monthly contribution
Contribution requests are based on age band and household size. A family membership includes three or more members.
$10,000 MRA per member, per calendar year
LiveWell5
$5,000 MRA
| Age band | Member | Member + 1 | Family |
|---|---|---|---|
| 1-39 | $328 | $424 | $504 |
| 40-49 | $388 | $523 | $634 |
| 50-59 | $484 | $675 | $834 |
| 60-64 | $575 | $821 | $1,026 |
LiveWell10
$10,000 MRA
| Age band | Member | Member + 1 | Family |
|---|---|---|---|
| 1-39 | $289 | $364 | $426 |
| 40-49 | $355 | $437 | $522 |
| 50-59 | $414 | $563 | $688 |
| 60-64 | $484 | $675 | $834 |
MRA means Member Responsibility Amount. It is the amount a member is responsible for before sharing begins for eligible medical needs subject to that MRA. Some services use separate co-shares or service-specific MRAs.
Amounts shown are 2026 brochure rates and are not a quote or guarantee. Contribution amounts, state availability, and Membership Guidelines may change. Review the current enrollment materials and applicable state notices before joining.
More ways to support your health
Every LiveWell membership includes
Availability and program terms may vary. Discount services are not medical-needs sharing.
Virtual primary care
Unlimited virtual primary care access, subject to service availability and program terms.
Virtual urgent care
Unlimited virtual urgent care access for convenient support when appropriate.
Prescription savings
Prescription discount resources help members compare and reduce eligible medication costs.
Counseling services
Access to counseling services and related member support resources.
Dental and vision discounts
Discount programs for participating dental and vision providers and services.
Hearing and equipment discounts
Discount resources for hearing services and durable medical equipment.
Know the rules before you join
Important timing, limits, and responsibilities
This page is a consumer overview, not the complete Membership Guidelines. The Guidelines and enrollment documents control eligibility and sharing.
Six eligible visits per member each year
Household visits may be pooled. LiveWell members pay a $35 co-share, and the membership shares up to $300 per eligible visit.
Primary and specialist office visits have a 90-day waiting period; urgent care does not.For serious, emergent needs
For an eligible emergency room visit, members pay a $500 co-share and the membership may share up to $5,000 per incident.
Routine and non-emergency ER use is not eligible for sharing.A 10-year look-back applies
Prior advice or treatment may result in a two-year, five-year, or lifetime limitation depending on the condition.
Medical records may be reviewed when sharing is requested.Separate cancer MRA and limits
Cancer treatment generally has a 90-day waiting period, with screening requirements and a service-specific Cancer MRA.
Year 1 cancer sharing is limited to $10,000 after the applicable $4,000 Cancer MRA.Separate $5,000 maternity MRA
For eligible maternity needs, the maximum is $12,000 in membership year 1 and $25,000 in membership year 2 and later.
Eligibility rules, waiting periods, and Statement of Standards requirements apply.Membership starts on the first of a selected month
Apply by the last day of a month for an effective date on the first of the next month or a later selected month.
The first monthly contribution and Membership Commitment Form are required before needs become eligible.Search before you schedule
Find a First Health network provider
LiveWell members use the First Health HealthShare Network as the primary medical network in their service area. The official provider locator opens in a new tab.
Choose the correct network
On the “Choose your network” screen, select “First Health network.”
Always verify before receiving care. Contact the provider to confirm current network participation, location, and whether the provider is accepting new patients.
Common questions
Understand healthcare sharing before deciding
Review these basics, then read the full Membership Guidelines for definitions, exclusions, state notices, and service-specific rules.
Read the Membership GuidelinesIs Caring & Sharing health insurance?
No. Caring & Sharing is a Healthcare Sharing Ministry. Members are self-pay patients, and membership is not offered through an insurance company.
Does the membership have a deductible?
No insurance deductible applies. Members select a Member Responsibility Amount, or MRA, that applies before sharing begins for eligible medical needs subject to that MRA. Other co-shares and service-specific MRAs may apply.
Can I use any provider?
Members may seek care from a provider of their choice, but the First Health HealthShare Network is the primary network for preferred access and discounts. Verify the provider's current participation before care.
Who can apply?
Applicants and qualified dependents must meet membership qualifications and agree to the Statement of Standards. The LiveWell materials describe an upper enrollment age of 64, with additional rules for spouses, dependents, and newborns.
Are pre-existing conditions shared?
Pre-existing conditions may be subject to two-year, five-year, or lifetime limitations based on the Membership Guidelines and medical-record review.
When can membership become effective?
An applicant may select the first day of the next month or a later month. The enrollment application, required fees or donation, first contribution, and Membership Commitment Form must be completed as described in the Guidelines.
How do I enroll online?
When the site administrator enables a secure enrollment link, the Enroll Now buttons open that application in a new tab. Until then, submit the request-information form so a representative can help.
Read before enrolling
Consumer resources
Download the source materials used for this informational website and review the complete terms before making a decision.
2026 LiveWell Member BrochureRates, features, contact information, and member overview
2026 Membership GuidelinesQualifications, eligibility rules, limits, exclusions, and state notices
Member PortalExisting members can access their membership information
HealthWallet AppMember ID card, records, appointments, and membership tools
Talk with a representative
Request more information
Share your contact preferences and the type of help you need. A representative can explain the LiveWell options, provider search, or enrollment process.
Please do not submit medical details.
This form is for general information only. Do not include diagnoses, treatment information, Social Security numbers, payment information, or other sensitive health information.