Caring & Sharing LiveWell Membership
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.
LiveWell membership highlights
LiveWell combines national provider access with cost-saving support and member services. Eligibility, limits, program terms, and the Membership Guidelines apply.
2026 LiveWell Membership Guidelines • Effective January 1, 2026
Members use the First Health HealthShare Network as the primary medical network within their service area. The NCQA-accredited national network includes more than 5,800 hospitals, 152,000 ancillary facilities, and over one million professional providers. In the provider locator, select “First Health network,” then confirm new-patient status, location, and participation before receiving care.
Search First Health providersEligible medical needs billed at $5,000 or more are reviewed by a negotiations team that works directly with the provider to seek the best available discount. Members must cooperate, provide requested documentation, and respond within 14 days so the medical need does not become ineligible for sharing.
During billing negotiations, members may be asked to complete a Family Information Sheet and provider financial-assistance applications. This can help the team pursue deeper discounts or other available assistance. Approval is not guaranteed, and timely member participation is required.
LiveWell includes access to prescription savings. Members can use the HealthWallet app to compare prices, and current program materials describe generic acute prescriptions, maintenance prescriptions through home delivery, and brand-name discounts. Formularies, fulfillment methods, pricing, and availability may change.
Network participation, discounts, financial-assistance eligibility, formularies, fulfillment methods, and program terms can change. Always verify current details and review the Membership Guidelines.
Start with your priorities
Answer four non-medical questions to see estimated monthly contributions and the most relevant next steps. This educational tool does not determine membership eligibility, sharing eligibility, or whether a healthcare sharing ministry is appropriate for you.
Suggested next step
Based on the information you selected, review these estimated contributions and suggested resources before deciding what to do next.
Contribution amounts are estimates based on the current 2026 table and can change. This tool does not account for all fees, donations, medical expenses, MRAs, co-shares, waiting periods, limitations, exclusions, or other obligations. Caring & Sharing is not insurance, and members remain self-pay patients.
Contribution comparison tool
Enter the monthly premium you currently pay and select an age band and household category. The tool compares only scheduled premiums with estimated LiveWell monthly contributions; it does not compare total healthcare costs or benefits.
This is not a savings guarantee or an apples-to-apples insurance comparison. Caring & Sharing is not insurance. Monthly contributions are not premiums, the MRA is not an insurance deductible, sharing is not guaranteed, and members remain responsible for their medical bills. Review all fees, contributions, MRAs, co-shares, waiting periods, limitations, exclusions, and current Guidelines before making a decision.
Before you decide
Use this checklist to identify topics you understand and topics to discuss with a representative. It is educational only and does not determine qualification or eligibility.
Source-grounded 2026 information
Get a quick educational answer grounded in approved Caring & Sharing materials, then open the cited source or request help from a representative.
Do not enter diagnoses, treatment details, Social Security numbers, payment information, or other sensitive information.A simple member experience
Members contribute monthly, eligible medical needs are reviewed under the Membership Guidelines, and shareable amounts are paid from the membership escrow account.
Complete the enrollment application, agree to the Statement of Standards, and submit the required contribution and Membership Commitment Form.
Choose a provider, show your virtual member ID card, and ask the provider to follow the billing instructions on the card.
Caring & Sharing determines eligibility, applies the applicable MRA or co-share, and sends an Explanation of Sharing.
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
You remain responsible for your medical expenses as a self-pay patient. Eligibility is determined under the current Membership Guidelines.
2026 LiveWell options
Contribution requests are based on age band and household size. A family membership includes three or more members.
$5,000 MRA per member, per calendar year
$10,000 MRA per member, per calendar year
| Age band | Member | Member + 1 | Family (3+) |
|---|---|---|---|
| 1-39 | $328 | $424 | $504 |
| 40-49 | $388 | $523 | $634 |
| 50-59 | $484 | $675 | $834 |
| 60-64 | $575 | $821 | $1,026 |
| Age band | Member | Member + 1 | Family (3+) |
|---|---|---|---|
| 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
Availability and program terms may vary. Discount services are not medical-needs sharing.
Unlimited virtual primary care access, subject to service availability and program terms.
Unlimited virtual urgent care access for convenient support when appropriate.
Prescription discount resources help members compare and reduce eligible medication costs.
Access to counseling services and related member support resources.
Discount programs for participating dental and vision providers and services.
Discount resources for hearing services and durable medical equipment.
Know the rules before you join
This page is a consumer overview, not the complete Membership Guidelines. The Guidelines and enrollment documents control eligibility and sharing.
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 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.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.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.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.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
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.
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
Review these basics, then read the full Membership Guidelines for definitions, exclusions, state notices, and service-specific rules.
Read the Membership GuidelinesNo. Caring & Sharing is a Healthcare Sharing Ministry. Members are self-pay patients, and membership is not offered through an insurance company.
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.
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.
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.
Pre-existing conditions may be subject to two-year, five-year, or lifetime limitations based on the Membership Guidelines and medical-record review.
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.
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
Download the source materials used for this informational website and review the complete terms before making a decision.
The controlling source for membership qualifications, eligible and ineligible medical needs, MRAs, waiting periods, limitations, and state notices.
A consumer overview of LiveWell options, contribution tables, included services, membership use, and contact information.
Search the provider locator and select “First Health network.” Verify location, new-patient status, and current participation directly with the provider.
Access the membership ID card, compare prescription prices, manage records, appointments, and other member tools.
Talk with a representative
Share your contact preferences and the type of help you need. A representative can explain the LiveWell options, provider search, or enrollment process.
This form is for general information only. Do not include diagnoses, treatment information, Social Security numbers, payment information, or other sensitive health information.
Plain-language cost review
Choose an age band and household category to review the current scheduled contribution examples alongside the separate Member Responsibility Amount and selected service co-shares. This is educational information, not a quote or a maximum-cost guarantee.
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A $35 co-share applies to an eligible visit. The Membership may share up to $300 per eligible visit, subject to the current Guidelines and visit limits.
A $500 co-share applies to an eligible emergency-room incident. The Membership may share up to $5,000 per eligible incident, subject to the current Guidelines.
Source: 2026 LiveWell Membership Guidelines and Member Brochure, effective January 1, 2026.
Caring & Sharing is not insurance. Members are self-pay patients. Contribution amounts may change and do not represent total healthcare cost, a guarantee of savings, or a promise that a medical need will be shared.
Ask a general question about LiveWell, Member Responsibility Amounts, First Health provider access, contributions, included services, or enrollment timing.
Answers are educational summaries of approved Caring & Sharing materials. They are not medical, legal, tax, or insurance advice and do not determine membership or sharing eligibility.