[IMA-HelenT]

Hi @elijah_l please note the IMA does not recommend or promote products so we can maintain our no conflict of interest position. But to start the conversation, and for you top do further research, I used AI to gather reviews and here they are :

Impact Health Sharing — Review Snapshot (late-2025)

Better Business Bureau (BBB)

Volume / score: A+ rating; 4 complaints in the past 3 years (1 in the last 12 months); dozens of mostly 5-star customer reviews. Not BBB-accredited.

What people praise:

• Significant premium savings vs. traditional insurance

• Easy telehealth access & annual wellness visit

Most-common complaints:

• Denied or delayed reimbursements; confusion over the “Primary Responsibility Amount” deductible

• Some providers refuse the share card

Trustpilot

Volume / score: 4.5 / 5 from ~15 public reviews (all 5-star); profile not claimed by the company.

What people praise:

• 30–50 % monthly cost cuts

• No network restrictions during emergencies

Most-common complaints:

• Virtually no negative reviews present, raising concerns about review-selection bias

HealthShare Guide (independent blog series, 2024 audit)

What people praise:

• Noticeable price relief

• Transparent online dashboard showing whom you helped each month

• Unlimited $0 telemedicine

Most-common complaints:

• Guidelines can be hard to interpret

• Some bills sent to collections while awaiting sharing

• Difficulty reaching support during disputes

HealthShare101 (consumer blog)

Highlights: In-depth explainer with reader comments; estimates ~17 000 members.

What people praise: Savings and flexibility echoed throughout.

Most-common complaints: Stresses that payment isn’t guaranteed because it’s not insurance.

Scam-Detector

Score: 67.5 / 100 — labelled “low-risk but not fully authoritative.”

Positives: Normal HTTPS and domain-age checks pass.

Warnings: Private WHOIS registration; recommends extra diligence.

BBB Complaints (example, Oct 2025)

Case of a member calling Impact a “scam” after gym & dental reimbursements were denied; company issued a goodwill refund but maintained denials were within written rules.