Prosper: Our Best Non-Denominational Health Sharing Plan in Colorado
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Reviewed by Leslie Jablonski – Fact checked by Christine Corsini
About Prosper
Universal Health Fellowship, a health sharing ministry founded in the tradition of the Unitarian Universalist Church, has recently rolled out a new health sharing plan called Prosper.
Prosper is the newest program in the Universal HealthShare family. It offers a streamlined and simplified fee and cost-sharing structure that is designed to make health sharing more accessible and affordable for a wider range of people.
While the name is new, the Prosper health sharing program is still aligned with the Unitarian Universalist principles of communal aid, mutual assistance, and the sharing of one another’s’ burdens.
A Non-Denominational Health Sharing Ministry
Unlike many other health sharing ministries, Prosper does not require its members to adhere to any specific religious doctrine or attend church services.
Instead, Prosper membership is open to anyone who agrees to live in accordance with the principles of the Unitarian Universalist movement.
Prosper is an excellent option for people who want to be part of a health sharing community that is based on shared values, rather than religious affiliation.
In an effort to meet the diverse needs of the health-sharing community, Universal Health Fellowship has introduced a variety of innovative health sharing programs, including Prosper.
Not Insurance
Like all Universal HealthShare programs, Prosper is not insurance, and it is not regulated by the Colorado Department of Insurance.
Similarly, Universal Health Fellowship is not an insurance carrier.
However, Prosper, as well as its parent organization, Universal Health Fellowship, do provide a valuable alternative to traditional health insurance for Colorado residents who are looking for a more affordable option than buying an ACA Marketplace plan under the auspices of Connect For Health Colorado.
Who Should Consider Prosper?
Consider Prosper if you meet these criteria:
- You’d like a robust plan, that includes first-dollar coverage for doctor visits and preventive care*.
- You don’t have any major pre-existing conditions that may require treatment in the next three years.
- You have pre-existing conditions but you want a plan with a shorter waiting period before costs for pre-existing conditions are shareable compared to other plans. Prosper’s three-year waiting period for most pre-existing conditions is among the shortest of all health sharing plans available in Colorado.
- You don’t qualify for a significant health insurance subsidy under the Affordable Care Act.
- You want a faith-based health sharing plan that doesn’t require adherence to any specific religious doctrine or attendance at church services.
A Health-Conscious Membership Base
As a condition of membership, Prosper requires its members to make a commitment to healthy living. This includes regular exercise, a nutritious diet, and avoidance of harmful substances. Members agree to forgo irresponsible behaviors and high-risk activities that would pose a serious financial risk to the health sharing organization.
These excludable activities engaging in activities that are known to be dangerous or unhealthy, such as smoking, drinking alcohol excessively, and doing drugs. It also includes behaviors such as driving while intoxicated or engaging in unprotected sex.
Joining Prosper
Joining Prosper means becoming part of a community of individuals who have come together to help each other in times of need. When you join Prosper, you will make a regular monthly contribution that will help to cover the unexpected medical costs of your fellow members.
In return, if you ever have a medical emergency, you can rest assured knowing that your fellow plan members will be there to help you shoulder the financial burden. This is a great way to protect yourself from financial ruin in the event of a serious illness or injury, and it also helps to create a sense of community among people who share similar values.
Your Non-Shareable Amount (NSA)
Your non-shareable amount is similar in concept to a health insurance deductible: It represents your own personal “skin in the game. That is, your non-shareable amount (NSA) is the amount of money that you are responsible for paying out of your own resources before Prosper’s sharing benefits kick in.
You get to select your NSA. All else being equal, the higher the non-shareable amount you select, the lower your monthly contribution will be. Conversely, the lower the NSA you choose, the higher you can expect your monthly costs will be.
However, once you have paid your NSA for the plan year, Prosper will cover 100% of all other eligible medical costs. You will not have to pay anything out of pocket for these costs.
Note: Prosper’s offering works differently from other Universal Health Share plans. These other plans typically allow you to choose an annual “co-share” amount in addition to your NSA, up to a maximum out-of-pocket amount.
The Prosper offering, in contrast, is simpler, with a higher non-sharable (NSA) threshold that results in a much higher level of sharing once the NSA is met.
Prosper NSA Options
Choosing Your Member Responsibility Amount (RBA)
As a new Prosper member, you’ll select one of these three NSA options when you join: PRS 50, PRS 75, or PRS 100.
Your monthly costs will be lowest with the PRS 50 option, and highest with the PRS 50 option.
Universal Health Share Prosper Non Shareable Amount Options
| Household Size | PRS 50 | PRS 75 | PRS 100 |
|---|---|---|---|
| One member per household | $5,000 | $7,500 | $10,000 |
| Two members per household | $10,000 ($5,000 per member) | $15,000 ($7,500 per member) | $20,000 ($10,000 per member) |
| Three or more members per household | $15,000 ($5,000 per member) | $22,000 ($7,500 per member) | $30,000 ($10,000 per member) |
Consultation Fees
Prosper members are responsible for some co-pays, in addition to the NSA amounts listed above.
Prosper Per-Visit Consultation Fees
| Type of Visit or Therapy Session | PRS 50 | PRS 75 | PRS 100 |
|---|---|---|---|
| Primary Care Office Visit and psychiatric medication management | $25 per visit | $25 per visit | $25 per visit |
| Specialty care office visit and psychiatric medication management | $50 per visit | $50 per visit | $50 per visit |
| Urgent Care Visits | $75 per visit | $75 per visit | $75 per visit |
| Emergency room visits* | $300 per visit | $300 per visit | $300 per visit |
After you pay the consultation fee, up to $300 of the remaining physician charges for the office visit and diagnostic and procedural charges will be eligible for sharing.
It is important to note that other visits that require a consultation fee, including emergency room visits that do not result in an admission, are subject to non-sharable amounts and are shared at your program rates.
To save money, Prosper plan members are encouraged to use primary care doctor office visits and urgent care centers when possible, rather than heading straight to the emergency room for minor incidents that don’t threaten life, limb, eyesight, or a significant loss of function.
That said, Prosper’s emergency room sharing provisions are very favorable compared to many other plans.
This makes Prosper a good choice for families with children and others who are at higher risk of needing ER services – especially if the ER visits are likely to result in a hospital admission.
These figures are current as of January 2024, and are subject to change by Prosper and Universal HealthShare at any time. For the latest, consult your plan guideline documents at the time you sign up.
Or better yet, contact one of our experienced Personal Benefits Managers for a free consultation.
Prosper Plan Features, Benefits and Drawbacks
Prosper and Pre-Existing Conditions
Some health conditions that exist at the time of enrollment may not be eligible for sharing with Prosper, even if you’ve been a member for some time. However, there are some exceptions to this rule, which are detailed in Prosper’s Sharing Guidelines. In general, if a condition showed symptoms or received treatment or medication within 24 months before you joined Prosper, it will not be eligible for sharing.
After you’ve been a member for 12 consecutive months, however, Prosper will begin phasing in cost-sharing for pre-existing conditions.
In your third consecutive membership year, medical expenses related to pre-existing conditions are shareable up to an annual limit of $50,000. In your fourth and subsequent consecutive membership years, your condition may no longer be considered pre-existing and will therefore be fully eligible for sharing.
Exceptions
There are several exceptions to the rule that pre-existing conditions are not eligible for sharing with Prosper. For example, Type 1 Diabetes (juvenile onset diabetes) is not considered a pre-existing condition for sharing purposes, even if symptoms appear or treatment is necessary within 24 months of joining Prosper.
However, there are certain conditions that may be eligible for sharing, even if they were present at the time of enrollment.
- Your condition has neither required treatment nor been treated, and there is no anticipated or prescribed need for treatment in the future;
- Your condition has not generated any harmful symptoms;
- Your condition has not deteriorated in any way.
If you can clearly document that for the four years immediately prior to joining Prosper, none of these eventualities occurred, then Prosper may deem your condition as “non-pre-existing” for the purposes of qualifying for sharing.
Policies for Diabetes, High Blood Pressure, and High Cholesterol
Diabetes Type 1
With Type 1 Diabetes, even if you can prove that your condition did not require treatment or was not treated for four years prior to joining Prosper, it may still be considered a pre-existing condition.
However, Prosper will not consider Type 2 Diabetes to be a pre-existing condition under the following circumstances:
- You have been symptom-free for at least one year immediately prior to enrollment.
- You have not undergone treatment at a hospital, clinic, or doctor’s office (other than for diagnostic testing).
- You control your diabetes vial lifestyle, diet, and medications other than insulin.
- Your A1C level scores 7.0 or lower throughout the previous 12 months.
Type 1 Diabetes may still be considered pre-existing, even if you can document your condition has not been treated or required treatment over the four-year lookback period.
High Blood Pressure (Hypertension)
If you have high blood pressure, Prosper will not consider it a pre-existing condition if you have been treated for the condition in a hospital setting within the past four years and are able to control your blood pressure through diet and/or medication.
However, costs for medications used to treat chronic conditions will not be shared.
Diabetes Type 2
Prosper will not consider type 2 diabetes as a pre-existing condition if:
- You have been symptom-free for 12 months immediately prior to enrollment.
- You have not been treated at a medical facility or practitioner’s office (other than for diagnostic testing).
- Your condition is controlled through diet, lifestyle adjustments, and/or medication other than insulin.
- Your A1C level is 7 percent or lower throughout the previous 12 months.
Cholesterol
Similarly, high cholesterol is not considered a pre-existing condition by Prosper, even if you take a statin drug to lower your cholesterol.
However, if you have been diagnosed with arteriosclerosis in a specific location, such as your heart or carotid artery, and you take medication to treat this condition, Prosper will consider arteriosclerosis in that location to be a pre-existing condition and will apply the pre-existing condition waiting period.
However, costs for medications for a chronic condition will not be shared.
Mental Health Care, Counseling, and Support
In addition to medical and surgical benefits, Prosper also offers 24/7 confidential free counseling via telephone, secure video or mobile app for short-term problem resolution, referral, and crisis intervention services.
Members receive counseling services with a qualified counselor with a minimum of a Master’s degree and five years of postgraduate experience.
These counselors can help treat a wide variety of mental illnesses and crisis situations including but not limited to: depression, anxiety, stress, relationship issues (e.g., divorce), job and work stress/conflicts, family and parenting problems, anger management problems, grief, addiction, eating disorders and mental illness
See the section on Exclusions below for more details on how Prosper shares costs related to mental health treatment.
Waiting Periods
New members must wait 90 days (12 months for maternity benefits) before Prosper will begin sharing costs.
However, there is no waiting period for office or emergency room visits related to accidents, sickness, acute illness, or life-threatening emergencies.
In addition to the 90-day waiting period, there are other waiting periods to keep in mind:
A 30-day waiting period applies to imaging and office-based surgical procedures.
A 180-day waiting period applies to expenses for Cologuard testing or a screening colonoscopy.
A 30-day waiting period applies to preventive care, annual physicals, and well-child exams.
Lastly, there is a 30-day waiting period for all other medical expenses, except for telemedicine, primary care, urgent care or specialty care visits, diagnostic testing, in-office procedures, and laceration repair procedures that take place during the visit.
You must pay a consultation fee for each primary care, specialty care, urgent care, and emergency room visit.
No Waiting Period for Telemedicine
Telemedicine services with Prosper have no 90-day waiting period. You can use the telemedicine benefit immediately upon becoming a member.
Furthermore, there are no consultation fees, copays, or any other charges for a telemedicine consultation. It’s included with your contribution every month. Prosper helps pay for maternity and childbirth costs. You must first be a sharing member for twelve consecutive months before Prosper will share for these costs, however.
Maternity Benefits
Maternity Sharing Limits:
- $5,000 for normal delivery
- $8,000 for a C-section (provided the C-section is medically necessary)
- $50,000 for complications (combined for both mother and newborn).
- Up to nine prenatal visits. These costs are eligible for sharing 90 days after sharing program membership begins.
Adding Newborns to Your Plan
Adding a new baby to a health sharing plan can be a great way to save money on medical expenses.
However, it is important to follow the specific guidelines of your plan. If you are expecting a new baby and want to add your child to your health sharing plan, you must notify Universal HealthShare at least three months prior to your expected delivery date. This is important because it allows the plan to properly account for the baby’s expenses.
If either parent of a newborn has insurance coverage through an employer or otherwise, then you should add the new baby to that plan. A new baby will not be eligible for a Universal HealthShare plan if you or the other parent have other coverage options available.
The Multi-Plan/PHCS Network
When it comes to finding quality healthcare, it’s important to have access to a wide range of providers.
That’s why Universal HealthShare and Prosper don’t use networks for hospitals or ambulatory surgical centers. Instead, Prosper works with a network of over 700,000 individual doctors and other care providers through the Multiplan/PHCS Practitioner & Ancillary Network.
This means that you can still see your existing primary care physician, even if they’re not in our network.
And you’ll be able to access discounted rates on a wide range of services, including doctor visits, lab tests, imaging, and urgent care.
So if you’re looking for a health sharing plan that gives you access to the care you need, without sacrificing quality or convenience, then Prosper may be a great option.
RxSimpleShare and Prescription Drugs
Prescription drug coverage is one area where Prosper is limited, like many other health sharing plans.
With the basic Prosper membership, prescription drugs are only covered when they are provided by a hospital as part of inpatient treatment or when they are provided by a facility during an outpatient surgical procedure.
This is why we encourage Prosper members to consider adding the RxSimpleShare prescription drug program to their plan.
RxSimpleShare is an optional add-on that is available to all Prosper members. It provides access to over 60,000 licensed pharmacies nationwide, and it offers coverage for a wide range of prescription drugs.
With RxSimpleShare, Prosper members can get the prescription drugs they need without having to worry about out-of-pocket costs. This can save them a lot of money, and it can help them to better manage their health.
RxSimpleShare Costs
Prosper members can add RxSimpleShare, a prescription drug program, to their plan for an additional $25 per member per month.
Note that a co-share of up to $5 per 30-day prescription fill may apply. However, these co-shares do not count toward your Prosper plan’s Annual Non-Shareable Amount.
RxSimpleShare Benefit Limit: $500 per month.
Only a 30-day supply per prescription per month is allowed for the same drug or substitute.
Labs, Testing, and Other Ancillary Services
In addition to the office visit fee, your primary care, specialty care, urgent care, or emergency room visit may include charges for tests or procedures.
These charges may include things like blood tests, ultrasounds, and other diagnostic procedures.
For primary care, specialty care, and urgent care visits, Prosper will share up to $300 combined for the office visit fee and any additional charges incurred during the visit.
However, for emergency room visits, any charges beyond the visit charge itself will be applied to your non-shareable amount. This means that you will be responsible for paying for these charges out-of-pocket – up to the NSA you selected.
Additional Benefits for Prosper Members
As a Prosper health sharing member, you have access to a variety of additional benefits and discount programs. These include:
- Aetna Dental Access – Prosper members receive discounts of 15%-50% on dental procedures at over 238,000 dental practice locations nationwide.
- Coast-to-Coast Vision™ – which offers members discounts on prescription glasses, contact lenses, and eye exams from over 20,000 national chain and independent optical center locations in the U.S.
The Health Questionnaire Requirement
Exclusions
There are a few important things to keep in mind when it comes to Prosper health sharing. First, some services and procedures do not qualify for cost sharing under the Prosper program, or any other Universal HealthShare program. These include:
- Abortion of a live fetus, except in cases where the physical life of the mother is endangered by the continued pregnancy or where the pregnancy is the result of rape or incest for which a police report has been filed.
- Alcoholism or drug addiction treatment
- Alternative medicine, except where approved in advance by Universal HealthShare
- Cosmetic procedures, except for medical care and treatment provided for disfigurement caused by amputation, mastectomy, disease, or accident
- Custodial care, which is defined as services or supplies provided mainly as a rest cure, maintenance, custodial care, or other care that does not treat an illness or injury
- Dental care, except as provided for under the Aetna Dental Access discount plan mentioned above. Note that damage to natural teeth that occurs while eating (e.g., breaking a tooth on a popcorn kernel or olive pit) is not sharable
- Durable medical equipment
- Exercise programs, except for those that are supervised by a physician and are related to cardiac rehabilitation or physical therapy
- Euthanasia or assisted suicide
- Eye care, including eye exercise therapy, radial keratotomy, and other surgeries to correct nearsightedness. However, the initial permanent lenses following cataract removal are covered.
- Genetic testing
- Hair loss treatment
- Hearing aids and exams
- Hazardous hobbies, such as rock climbing, spelunking, scuba diving, skydiving, bungee jumping, hang gliding, kite surfing, paragliding, base jumping, and other extreme sports
- Hemophilia
- Illegal acts. Costs incurred as a result of participating in criminal activities are not shareable.
- Impotence treatment
- Programs or treatments aimed at weight reduction, including surgeries primarily for the purpose of weight loss.
- Infertility treatment. This includes diagnostics, testing, surgical repair, non-surgical repair, surgical impregnation, in vitro fertilization, and other procedures, as well as prescription drugs for the treatment of infertility.
- Long-term care. Contact a Personal Benefits Manager about purchasing long-term care insurance.
- Mental health care, except as mentioned earlier in this blog post.
- Hospital admissions that are not urgent on Fridays or Saturdays.
- Medical transport in non-emergency situations. Furthermore, costs incurred from using transport services to a medical facility further than the closest one capable of providing the necessary medical care are not covered.
- Non-critical usage of emergency department facilities.
- Dietary supplements.
- Consultations with nutrition experts, unless they hold the appropriate licensure or certification, and their services have been recommended by a medical professional with a license or, in the event of hospitalization, prescribed by a hospital staff member.
- Prescription medications are typically not eligible for sharing, with the exception of those dispensed during an inpatient hospital stay or provided by a medical facility during an outpatient surgical operation.
- Self-harm incidents in individuals older than 12, including those arising from mental health conditions or psychosis.
- Procedures for surgical sterilization or its reversal.
- Injuries resulting from warfare, terrorist acts, or during military service.
Smokers
Prosper does not typically accept people who smoke as members, with the exception of provisional members.
To become a standard member of Prosper, you must attest that you have not used tobacco in any form for at least 12 months prior to joining, and that you will continue to abstain from tobacco use for the duration of your membership.
However, Prosper is willing to consider recent former smokers for provisional membership, provided that they agree to quit smoking completely. Provisional members who are tobacco users are required to pay an additional monthly contribution of $80.
For more information about provisional memberships, please see the provisional membership section below.
Drug and Alcohol Abuse
To join Prosper, you are required to affirm you have not abused or used alcohol or prescription drugs to excess in the 12 months prior to joining. You must also continue to refrain from alcohol and prescription drug abuse while enrolled.
Conditional Memberships
If you have a pre-existing health condition that could be improved or resolved through lifestyle changes, you may be eligible to join Prosper as a provisional member.
However, you will be required to pay a higher monthly contribution and may be asked to make changes to your behavior in order to improve your health.
Some examples of behaviors that could disqualify you from provisional membership or require you to make changes include smoking, obesity, and poor diet. If you develop a new health condition after becoming a member, you may also be required to make changes to your lifestyle in order to maintain your membership.
Supercharge Your Savings: Combine Prosper/Health Sharing With a Health Savings Account
Health Savings Accounts (HSAs) are a powerful tax-savings and wealth-building tool available to individuals under U.S. tax law.
However, until recently, those enrolled in health sharing plans like Universal HealthShare and Prosper were unable to take advantage of HSAs. This was because the tax code only allows HSA contributions for those covered by a qualified high-deductible health plan (HDHP).
HDHPs must meet certain criteria, including coverage of ten essential health benefits. Because health sharing plans do not meet these criteria, HSA contributions were not possible for health sharing plan members.
Thanks to recent changes in the health insurance industry, however, health sharing plan members can now enjoy the benefits of both HSAs and health sharing plans.
Joining a health sharing plan and an HSA can be a smart financial move.
If you’re interested in combining the savings of a health sharing plan with the tax benefits of a health savings account, you may want to consider adding the HSA MEC plan to your health sharing plan.
HSA MEC is an inexpensive, streamlined MEC plan that you layer on top of your Prosper or other health sharing plan.
Because HSA MEC is designed to cover just the basics required of a MEC plan under federal law, it’s very inexpensive. In fact, it costs much less than the direct tax benefits you gain by taking advantage of your eligibility to contribute to an HSA.
Three Steps to Savings
1. Switch to a Health Sharing plan, such as the Universal HealthShare Prosper plan. This saves up to half off the unsubsidized cost of a traditional health insurance product purchased on the Marketplace.
2. Purchase the HSA MEC policy, to layer on top of your health sharing plan. This provides additional basic coverage for a variety of healthcare needs. Additionally, HSA MEC qualifies you to make pre-tax contributions to a health savings account, or HSA.
3. Get substantial tax savings by contributing as much as you can to your HSA. As of 2024, you can contribute up to $4,150 to an HSA that covers yourself only, and up to $8,300 for a family. If you are age 55 or older, you can make another $1,000 per adult of that age in pre-tax catch-up contributions.
Monthly Membership Dues
Currently, the monthly membership dues are $15 per person per month, in addition to your monthly sharing amount.
Enroll Now
You can self enroll at the Prosper Enrollment link. After putting in your enrollment criteria, you’ll come to a page that says: UHS Standard Programs. Use the dropdown to change this to Prosper Programs, and you’ll see your rates..
Click Proceed, answer a few questions, and then choose one of the three plan options: PRS50, PRS75, or PRS100.
Then pay the first month’s contribution, plus a one-time fee of $75.
At any time, you can get free enrollment assistance by contacting one of ColoHealth’s highly-trained Personal Benefits Managers.
Designing and Customizing Your
Prosper/Universal Health Share Plan
When you enroll in Prosper, you’ll choose your annual non-shareable amount (NSA). Here are your three available options, as of January 2024:
Universal Health Share Prosper Non Shareable Amount Options
| Household Size | PRS 50 | PRS 75 | PRS 100 |
|---|---|---|---|
| Self-Only Plans | $5,000 | $7,500 | $10,000 |
| Two-member households | $10,000 ($5,000 per member) | $15,000 ($7,500 per member) | $20,000 $10,000 per member |
| Three or more member households | $15,000 ($5,000 per member) | $22,000 ($7,500 per member) | $30,000 ($10,000 per member) |
Note: Your non-shareable amount (NSA) is per plan year. A plan year is the 12-month period starting on your effective membership anniversary date.
If you have a medical incident during the plan year, you must pay for that expense up to your NSA.
Example: If you have to have your appendix removed, you would be responsible for paying the cost of the surgery within the 12-month period starting on your effective membership anniversary date, up to your NSA.
After you reach your NSA, Prosper will generally pay for 100% of costs above that amount.
Once your anniversary date comes around again, your NSA resets.
Annual NSA calculation for family plans:
Per Medical Incident Limits
The Prosper plan will share up to $500,000 per medical incident.
Annual Sharing Maximum
Up to $1 million per year in eligible medical costs. However, the following limits apply.
Prosper Annual Sharing Limits
| Preventive Care | $1,000 |
| Annual Combined Limit | $1 million |
| Allergy Testing | $500 |
| Emergency Transport | $10,000 |
| Organ Transplant | $150,000 |
| Prosthesis | $1,500 |
Additionally, Prosper has the following cost sharing limits per member per year:
Prosper Annual Visits and Cost Sharing Limits
| Type of Visit or Session | Cost sharing limitation |
|---|---|
| Primary care, Specialist Care, or Urgent Care visits | 12 visits per year, in any combination |
| Medication Management | 4 visits in total for any Primary Care Practitioner or appropriate mental health professional visits for the monitoring and management of medications prescribed for mental health conditions such as anxiety, depression, bi-polar disorder, and ADHD. |
| Chiropractic Adjustment/Manipulation and Physical Therapy | 12 sessions in total for any combination of these types of sessions |
| Audiological Therapy, Cardiac Therapy, Hyperbaric Oxygen Therapy, Occupational Therapy, Optometric Vision Therapy, Respiratory Therapy, and Speech Therapy | 10 sessions in total for any combination of these types of sessions |
| Prenatal Care Visits | 9 visits per pregnancy |
Prosper Lifetime Sharing Limits
None!
Get Help!
If you need assistance with plan design or would like a professional to help you navigate your options, please don’t hesitate to reach out. We’ve made it easy.
Just schedule a free consultation with one of our experienced Personal Benefits Managers. They’ll help you digest all the available information and make the best decision for your particular needs.
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COLORADO HEALTH INSURANCE INFORMATION
- Plans approved and authorized under the Affordable Care Act
- Covers Pre-Existing conditions
- Low cost subsidized plans available to those earning
< 400% of the federal poverty level - Unlimited lifetime benefits
- Available during open enrollment (November 1 – January 15), or if you qualify for a Special Enrollment Period
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HEALTH COST-SHARING INFORMATION
- Not Colorado health insurance, but a way for like-minded individuals to share medical expenses
- Waiting periods on pre-existing conditions
- May exclude sharing for certain conditions or activities
- Enroll any time
- Much lower monthly cost than unsubsidized health insurance
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