Your own doctor for everyday care. A sharing community for the big bills.
Beacon pairs a direct primary care membership with Sedera medical cost sharing, from $167.52 a month (as of October 2026). We're not an insurance agency, and we'll tell you if insurance is the better fit.
“If you are finding your healthcare costs unaffordable, try a new approach. It might be the future.”
Graham Kerswell
Founder, Beacon Health Benefits (Mooresville, NC)
✓ Free, no obligation·✓ No networks·✓ Available in most states
Paying too much for insurance you barely use?
If you're self-employed, retired early, or buying coverage on your own, you may be paying full price for an insurance plan with a deductible you will rarely meet. Since enhanced ACA tax credits expired at the end of 2025, more households are paying the entire premium unsubsidized. Beacon helps you compare a different approach, honestly—including its exact limits.
How the Ecosystem Works
Three modular components combined into one predictable monthly bill.
Direct Primary Care (DPC)
Visits, checkups, and routine management for a flat monthly fee. Our national partner, Akos MD, offers 24/7 on-demand virtual care with same-day appointments and zero copays.
Sedera Cost Sharing
Eligible ER, hospital, surgery, and major illness bills above your chosen IUA are shared by the community. There are no network locks and no lifetime dollar maximums. (Not insurance; voluntary sharing).
Careington Ancillary
Nationwide dental savings plans from $8.95 a month for 20% to 50% discounts on cleanings, fillings, crowns, plus vision and Rx savings. Not insurance.
What does it cost?
Illustrative monthly pricing as of October 2026 (non-tobacco households).
Everyday primary care plus major medical protection for young professionals and solo contractors.
Lower per-incident threshold for self-employed individuals wanting balanced protection.
Two adults covered with 24/7 doctor access and uncapped community sharing.
Complete household coverage capped at a maximum of three IUAs per year.
*Your monthly share amount is calculated based on household size, the age of the oldest member, your selected IUA, and tobacco usage status—not your income.
May fit your household if you:
- ✓Pay full price for traditional health insurance without meaningful subsidies.
- ✓Are mostly healthy and want protection against unexpected catastrophic medical events.
- ✓Are self-employed, 1099, between careers, or retired early (ages 18 to 64).
- ✓Want direct, unhurried access to your primary care doctor without third-party network tiers.
Probably not the right fit if you:
- ✕Require guaranteed contractual claim reimbursement mandated under an insurance policy.
- ✕Have an active, ongoing pre-existing medical condition requiring immediate specialized treatment this year.
- ✕Are currently pregnant or planning to give birth within the next ~9 months.
- ✕Qualify for substantial income-based tax credits on the ACA Healthcare.gov Marketplace.
Why Beacon Health Benefits
Honest about limits
We clearly outline pre-existing condition schedules and what falls outside community guidelines before you enroll.
The whole picture
Your doctor, catastrophic bill sharing, and dental savings packaged into a single, unified monthly figure.
Zero provider networks
Choose any doctor, clinic, surgical center, or hospital in the nation without network penalties or out-of-pocket tiering.
Local leadership
Founded in 2018 by Graham Kerswell in Mooresville, North Carolina. Learn more on our About page →
Research & Member Education
See what it would cost your household.
Tell us who needs care and what you currently pay. We will generate custom figures and let you know if staying on insurance makes better sense.
Statutory Legal Notices & Disclosures:
Health care sharing ministries and medical cost-sharing communities are not insurance and are not regulated as insurance. Sharing of medical expenses is voluntary and not guaranteed. Review each organization's guidelines for details, limitations, and state-specific notices.
We may receive compensation from some organizations we recommend. This does not change our evaluation of how they work.
THIS PLAN IS NOT INSURANCE and is not intended to replace health insurance.
Beacon Health Benefits is not an insurance agency and does not sell insurance. We help individuals and families explore alternatives to insurance, including direct primary care, health care sharing and discount plans.