Everyday care plus major medical sharing.
MightyWELL is built for groups that are tired of the renewal letter. It combines preventive care, listed copays, and Health Share for larger medical events — so a six-person shop can offer real benefits without carrying a traditional group-insurance surprise.
Health Share is not insurance. I walk small companies through structure, cost, and guidelines before anyone enrolls.
Predictable budget. Open doctors. Clear member cost.
MightyWELL currently describes savings often in the 20–40% range versus traditional group plans. That is a comparison to discuss on your quote — not a guaranteed number.
Group insurance asks the business to guess next year’s bill.
Small companies get a renewal, a narrower network, and a meeting where nobody can explain the member’s actual cost before they walk into the clinic. MightyWELL is aimed at that exact frustration — especially shops in the 5 to 50 range that still want to offer something employees will use.
What breaks first
- Renewals that jump with no matching improvement in care
- Carrier minimums that do not fit a 6- or 12-person team
- Networks that fall apart the moment someone sees a specialist
- HR time spent translating a plan no one understands
What a small company actually needs
- A defined monthly number the owner can budget
- Doctors the crew already uses
- A listed amount before a visit, not a bill six weeks later
- A path for surgery and hospital events, not only office visits
One arrangement. Two jobs.
MightyWELL combines administered everyday benefits with Health Share for larger medical events. ShareWELL is the sharing community for major medical. MightyWELL is the layer that makes the plan usable on a Tuesday — physicals, sick visits, prescriptions, labs, imaging, and listed copays.
Preventive
Keep the team in the shop with routine and preventive services under the selected arrangement.
Copay visits
Members see a listed amount before care. That is the point of the model — fewer surprise statements.
Everyday extras
Prescriptions, labs, imaging and telemedicine can be part of the selected MightyWELL design.
Major medical
Eligible larger events move into the Health Share guidelines. Out-of-pocket responsibility is defined up front.
Better if both sides can explain the plan in one minute.
What employers like
- Administrative simplicity — less plan management and renewal theater
- Predictable monthly cost discussions, often 20–40% below a traditional group quote
- A jargon-free group meeting so you are not the benefits translator
- Works across states without carrier minimums locking you in
- A defined-contribution option through a CHOICE Arrangement when that is the better fit
What members get
- Clear pricing before care
- Open access — any licensed provider nationwide, no referral to start
- Enrollment in minutes, not a Saturday of paperwork
- A real person when a claim gets messy — start with Tony at Patriot Health
- Major medical events handled under the Health Share guidelines of the selected program
Visit. Pay the listed amount. The rest is processed.
Visit a provider
See any licensed doctor or specialist. No referral required to start. Search partner networks when you want the cleanest billed rate.
Pay the listed amount
The member responsibility is intended to be clear before the visit — not reconstructed from an EOB a month later.
The rest is handled
The claim is submitted and processed under the selected arrangement. Eligible amounts follow the plan and the Health Share guidelines.
When the company should set a budget instead of buying one group plan.
A CHOICE Arrangement — formerly called an ICHRA — lets the employer set a defined monthly contribution. Employees pick individual-market coverage that fits their household. The company reimburses premiums tax-free up to the amount it set.
How the math changes
- You set the contribution by employee or class
- The team chooses coverage that fits family and doctors
- You reimburse, tax-free, up to your cap
- Designed properly, it can satisfy ACA employer-coverage requirements the same way ICHRA did
Name change, same rules
In September 2026, CMS and the U.S. Small Business Administration began referring to ICHRAs as CHOICE Arrangements. Only the name changed. The rules, tax treatment, and benefit are the same. If you already have an ICHRA, you already have a CHOICE Arrangement.
MightyWELL can sit on that platform for traditional or alternative coverage. I help you decide whether a group MightyWELL design or a CHOICE allowance is the cleaner fit for the shop.
Census. Quote. Group meeting. Enroll.
Coverage can begin in as few as five business days after you give the green light. I stay in the conversation so the owner is not left explaining a plan he just bought.
1. Census
A simple spreadsheet: names, dates of birth, zip codes. No medical questionnaire to start the quote.
2. Quote
A structured proposal with monthly cost, plan options, and a projected comparison against your current group spend.
3. Group meeting
A plain-language walkthrough for the team. Benefits, costs, and how to use the plan. I handle the questions.
4. Enroll
Members enroll online. Coverage can start quickly once the company says go.
Send the census. I will put numbers on it.
I help small companies in Georgia and beyond look at MightyWELL, ShareWELL, and CHOICE Arrangements. Start with a roster and what you pay now. We can usually tell quickly whether this is worth a group meeting.
Patriot Health
Buford, GA 30519
For a written request, use the Contact page and include “MightyWELL group” plus headcount.
What owners ask before they move a group.
How does MightyWELL compare to traditional group insurance?
MightyWELL combines preventive care, copay-based services, and health sharing into one arrangement. The usual conversation is predictable cost, open provider access, and a savings range often described as 20–40% versus a traditional group plan. Your quote is the only number that matters.
Can members keep their doctor?
MightyWELL describes an open-access model. Members can visit licensed providers nationwide. Partner networks are useful when you want the cleanest billed rate, but the starting point is not a locked HMO list.
What about pre-existing conditions?
MightyWELL has guidelines for pre-existing conditions. Certain limitations may apply in an initial period. Maintained conditions are addressed in the current program documents. We review that in the group meeting before anyone enrolls.
What if someone needs surgery?
Major medical needs are considered under the selected plan and Health Share guidelines. Member responsibility is intended to be defined up front rather than discovered after discharge.
Is this the same as ShareWELL?
No. ShareWELL is the Health Share community for eligible major medical expenses. MightyWELL is the everyday-care plus sharing design that small groups usually want when they still need office visits, copays, and prescriptions. Many conversations look at both.
Is Health Share insurance?
No. Health Share is not insurance. Sharing, eligibility, and member responsibility are governed by program guidelines. I will say that in the group meeting so nobody enrolls on a slogan.