This document summarizes a health cost sharing program as an alternative to traditional health insurance. It describes how individuals can take control of their healthcare costs by becoming self-pay patients and sharing medical expenses with other health-conscious members. The program provides tools to help members navigate healthcare, find doctors, access telehealth services, and get discounts on additional health needs. However, it notes that the program may not be suitable for those who need financial assistance paying monthly costs or have severe pre-existing conditions.