A Physician-Founded Medical Cost Sharing Community
Sanad Health
Healthcare Funding, Built by Physicians.
A health share is a community of members who voluntarily pool monthly contributions to cover each other's medical expenses — it is not insurance, but for many members it fully replaces the need for traditional health insurance at a fraction of the cost.
Sanad Health is a first-of-its-kind medical cost-sharing community open to physicians, their staff, and non-physician members alike — no deductibles, no co-pays, no carve-outs, no insurance company standing between you and your care.
Founding campaign
Help us raise $150,000 to launch
We are raising $150,000 in founding contributions to cover legal formation, entity setup, captive feasibility, actuarial modeling, and organizational infrastructure — everything needed to open Sanad's doors. Every dollar goes directly toward building the community.
Expression of interest — no payment collected until legal formation is complete · Donate on LaunchGood ↗
Physician Advisory Board
Governed by physicians — not corporations
Founding members are invited to join the Physician Advisory Board — the governing body that sets coverage policy, reviews share pricing, and holds Sanad accountable to its mission. This is healthcare governance as it should be: decisions made by the people who deliver and receive care, not by Wall Street executives whose compensation rises when claims are denied.
In traditional insurance, policyholders have no seat at the table. Premium increases, coverage changes, and claim denial policies are set internally by executives accountable to shareholders — not patients. At Sanad, every major policy decision is reviewed by the Advisory Board, financial reports are published to all members quarterly, and disputed claims are reviewed by independent medical professionals.
Sanad Physician Advisory Board
Traditional insurance board
For independent practices
Compete for talent — like the big systems do
Large hospital systems and consolidated health networks recruit aggressively by offering robust employee health benefits. Independent physicians have historically been unable to match this. Sanad changes that — giving independent practices an affordable, credible health benefit to offer their staff and compete for top talent on equal footing.
| Benefit offering | Sanad Health Share | Traditional insurance |
|---|---|---|
| Employee coverage available | ✓ Yes | ✕ No standard option |
| Minimum group size required | ✓ None | ✕ Typically 2–50+ |
| No co-pays for employees | ✓ Yes | ✕ $20–60 per visit |
| Any provider, no network | ✓ Yes | ✕ Narrow networks |
| Cost predictability | High — fixed share | Low — annual surprises |
The Healthshare Difference
What insurance companies don't want you to know
Commercial insurers profit by limiting your access to care. Every co-pay, deductible, carve-out, and prior authorization is a mechanism designed to reduce payouts — not protect your health. Sanad works the opposite way.
Sanad Health Share
Traditional Insurance
How insurers limit your care
The hidden cost of carve-outs & restrictions
Insurance companies systematically exclude or limit entire categories of care through fine print. Here's what they carve out — and why Sanad covers it all.
Mental health
Often requires a separate rider, has session limits, or carries a higher deductible. Sanad: fully included, no limits.
Specialist visits
Higher co-pays, referral requirements, and network restrictions block access. Sanad: see any specialist directly.
Imaging & labs
Frequently require prior authorization or only covered at "preferred" facilities. Sanad: any lab or imaging center.
Out-of-network care
Penalized with dramatically higher cost-sharing or outright denial. Sanad: no network — no penalty.
Preventive care
Coverage varies by plan; many services still trigger cost-sharing. Sanad: preventive care is covered.
Prescription drugs
Formulary tiers, step therapy, and quantity limits restrict what you can take. Sanad: medically necessary prescriptions covered.
A unique tax advantage
The only cause where your donation benefits you directly
As a 501(c) non-profit, Sanad Health accepts tax-deductible donations from members and non-members alike — a rare opportunity for high earners to reduce taxable income while supporting a cause that can directly benefit them.
Illustrative example — physician in the 37% federal bracket donating $20,000
Consult your tax advisor regarding deductibility in your specific situation. Figures are illustrative. State tax treatment varies.
Membership Plans
Simple, Transparent Pricing
Four plans — standard and premium concierge — all with no deductibles, no co-pays, and no carve-outs. The Premium tier adds a concierge physician membership of your choice, bundled at no markup.
Individual
$720
per month · ~$8,640 / year
- ✓One adult physician member
- ✓All medically necessary care
- ✓No co-pays, deductibles, or carve-outs
- ✓Any provider, anywhere
- ✓$250K+ stop-loss backstop
- ✓Member portal & claims tracking
Family
$1,980
per household / month · ~$23,760 / year
- ✓Two adults + up to 3 children
- ✓All medically necessary care
- ✓No co-pays, deductibles, or carve-outs
- ✓Any provider, anywhere
- ✓$250K+ stop-loss backstop
- ✓Member portal & claims tracking
- ✓Priority onboarding support
Individual Concierge
$1,720
per month · ~$20,640 / year
- ✓Everything in Individual
- ★Concierge physician membership included
- ★24/7 direct physician access
- ★Same- or next-day appointments
- ★Extended 60-minute visits
- ★Care navigation & coordination
- ★Preventive & functional medicine
Family Concierge
$3,980
per household / month · ~$47,760 / year
- ✓Everything in Family
- ★Concierge membership for both adults
- ★24/7 direct physician access
- ★Same- or next-day appointments
- ★Extended 60-minute visits
- ★Care navigation & coordination
- ★Preventive & functional medicine
Health share amounts are pre-actuarial estimates; final figures set after actuarial modeling and founding enrollment. Shares may adjust annually — and unlike commercial premiums, may decrease. Members select their own concierge physician.
Next Steps
Become a Founding Member
We are seeking 500 founding contributors — physicians, practice staff, and supporters — to help us reach our $150,000 founding campaign goal. No payment is collected until legal formation is complete. Membership is open to all.
Two ways to get involved
Express your interest below (no payment today) or donate immediately on LaunchGood — both count toward our $150,000 goal.
Donate now on LaunchGood ↗Sanad Health Share is a voluntary medical cost-sharing community, not an insurance company. Participation does not constitute insurance coverage. Monthly shares are voluntary contributions and no benefit is contractually guaranteed. Tax deductibility of donations is subject to IRS 501(c) qualification and individual tax circumstances — consult a qualified tax advisor. This page is for informational purposes only and does not constitute a solicitation for insurance or tax advice.
Option 1 — No payment required today
Express interest & commit to membership
Fill out the form below to register your intent to join Sanad and pledge a founding contribution. No money is collected now. Once we reach our goal and complete legal formation, we will reach out to formally collect contributions. Prefer to donate right now? Use LaunchGood ↗ instead.
Your information
Founding pledge
This form registers your intent to join and pledge — no payment is collected now. Contributions are formally requested once legal formation is complete. To donate money today, use our LaunchGood campaign ↗. Membership is open to physicians and non-physicians alike. Your information will not be shared with third parties.
Thank you for your pledge!
Your founding contribution has been recorded. We'll be in touch as we reach our goal and move toward legal formation.