--- title: Sharable Platform description: Health Insurance Is Broken, and Too Expensive! So, Sharable™ decided to change the way Americans finance and reserve for Healthcare. Our mission is to advance the adoption of Healthcare Sharing by making it work better and feel better than insurance. Our platform, innovations and services enable existing Healthcare Sharing Organizations, as well as new Start-Ups, serve their unique communities more effectively. In recent years, and during a time of crisis in the American healthcare system, Healthcare Sharing has grown to be an affordable and credible alternative to the high cost of health insurance. So, Sharable™ decided that someone should develop the Nation’s first and only cloud-based platform (Sharing as a Service™) that fully integrates the Sharing Value Chain. Our Platform is built upon P2P Sharing Protocols and patent-pending innovations that advance the concept of Healthcare Sharing, while enabling existing Healthcare Sharing Organizations (HCSOs) and other large member-based organizations to launch and develop high-performing Sharing Programs. The Sharable™ Team has over 100 Years of combined Healthcare Sharing experience and have developed, managed and/or assisted some of the Nation’s largest Healthcare Sharing Organizations. Much of that experience has been codified in the Sharing as a Service™ platform to ensure that Sharing Organizations can build highly scalable programs that are regulatory compliant, while creating a Member Experience that is uniquely different than insurance by leveraging the human, social, and community aspects of Healthcare Sharing. --- [![Sharable](https://www.sharable.life/hubfs/raw_assets/public/Sharable_January2022/images/logo.svg "Sharable")](https://www.sharable.life/?hsLang=en) - [Platform](https://www.sharable.life/platform) - [App Center Turn Prospects into Members in 15 minutes or less.](https://www.sharable.life/platform#app) - [Member Center Serve Members, while driving Community](https://www.sharable.life/platform#member) - [Client Center Manage a fully integrated Sharing Value Chain](https://www.sharable.life/platform#client) - [Virtual Share Exchange® Delineate and inoculate through P2P Sharing](https://www.sharable.life/platform#vse) - [Platform FeaturesDo more through Sharable™](https://www.sharable.life/platform#features) - [Cost Containment](https://www.sharable.life/cost-containment) - [Hybrid RBPContain costs with information and innovation](https://www.sharable.life/cost-containment#rbp) - [Integrated Tele-Health Connect members to doctors in minutes](https://www.sharable.life/cost-containment#telehealth) - [Integrated Pharmacy Direct members to the lowest retail price](https://www.sharable.life/cost-containment#pharmacy) - [Services](https://www.sharable.life/services) - [Build, Operate & Transfer Startup a new Sharing Program](https://www.sharable.life/services#bot) - [Member Development Attract and acquire new members](https://www.sharable.life/services#memberdev) - [Performance Engineering Engineer operational excellence](https://www.sharable.life/services#performance) - [Resources](https://www.sharable.life/services) - [Help Center To Better Server Our Clients](https://sharable.zendesk.com/hc/en-us) - [Sharable Insights (Blog) Insights, Reflections, & Inspirations](https://blog.sharable.life) - [About](https://www.sharable.life/our-team) - [Company Healthcare Sharing Experts](https://www.sharable.life/our-team) - [Contact Us How To Reach Us](https://www.sharable.life/contact-us) [Login](https://sharable.zendesk.com/hc/en-us) # PLATFORM # Sharing as a Service™ Develop, manage, and grow high-performing Healthcare Sharing Programs through a fully-integrated Sharing Value Chain.   [Learn More](https://www.hubspot.com/)     ![group-12](https://www.sharable.life/hs-fs/hubfs/assets/group-12.png?width=696&height=577&name=group-12.png)   ![Client Application slide](https://www.sharable.life/hubfs/Sharable_January2022/Images/acct.png) ![Client Activation slide](https://www.sharable.life/hubfs/Sharable_January2022/Images/appl.png) # Convert Prospects Into Members Configure the Sharable Application Center to execute a two-phased enrollment process that can be completed in 15 minutes or less. [View App Center Features](https://www.sharable.life/platform-1#app-features) # Serve Members, While Driving Community White-label the Sharable Member Center to actively serve members and engage them into a P2P Sharing Process that drives community and social interactions. [View Member Center Features](https://www.sharable.life/platform-1#member-features) ![Serve Members, While Driving Community](https://www.sharable.life/hubfs/Sharable_January2022/Images/google-chrome-browser-74-0-light-copy-2.png "Serve Members, While Driving Community") ![Enable A Fully-Integrated Sharing Value Chain](https://www.sharable.life/hubfs/Sharable_January2022/Images/Client-Center-Features.png "Enable A Fully-Integrated Sharing Value Chain") # Enable A Fully-Integrated Sharing Value Chain Sharable’s Platform and Cost Containment Services combine to enable a fully-integrated Sharing Value Chain which is managed and made visible through the Sharable Client Center. [View Client Center Features](https://www.sharable.life/platform-1#client-features) # Innovate Sharing with a Virtual Share Exchange® At its core, Sharing as a Service™ enables P2P Sharing through innovative algorithms that match, allocate and transfer funds from member-to-member to clearly delineate Healthcare Sharing from the practice of insurance [View VSE Features](https://www.sharable.life/platform-1#vse-features) ![VSE](https://www.sharable.life/hubfs/Sharable_January2022/Images/VSE.png "VSE") ## Features # App Center (Member Enrollment) ![Dynamic Pricing](https://www.sharable.life/hubfs/Sharable_January2022/Images/noun-money-3589174.svg) ### Dynamic Pricing Applicants can dynamically view changes to the Monthly Share Amount as they choose from available program options ![Attestations](https://www.sharable.life/hubfs/Sharable_January2022/Images/Attestations.svg) ### Attestations Disclosures, Statements of Beliefs and specific Policies can be configured to require the Applicant’s e-signature and attestations ![Questionnaires](https://www.sharable.life/hubfs/Sharable_January2022/Images/Questionnaires.svg) ### Questionnaires Medical questionnaires can be configured and captured for each household individual that will participate in the membership ![App Approvals](https://www.sharable.life/hubfs/Sharable_January2022/Images/App%20Approvals.svg) ### App Approvals Application approvals may be automated, or configured to require a manual approval before the Applicant can advance and activate their Share Account ![KYC (Know Your Customer)](https://www.sharable.life/hubfs/Sharable_January2022/Images/group-24.svg) ### KYC (Know Your Customer) Automated KYC validations are integrated within the App Center, as is compliance with all banking regulations ![Account Activation](https://www.sharable.life/hubfs/Sharable_January2022/Images/noun-office-3589219.svg) ### Account Activation Create and activate an addressable Virtual Share Account for every Primary Member ![Payment Management](https://www.sharable.life/hubfs/Sharable_January2022/Images/noun-chart-3589175.svg) ### Payment Management Enable manual and recurring payments of the Monthly Share Notice through Credit Cards, ACH and Payment Tokens # Member Center (Service & Community) ![Share Stream](https://www.sharable.life/hubfs/Sharable_January2022/Images/Share%20Stream.svg) ### Share Stream Members can generate private posts as inquiries and service requests, and public posts to connect with fellow members ![Member Sharing](https://www.sharable.life/hubfs/Sharable_January2022/Images/Member%20Sharing.svg) ### Member Sharing Members are provided full control over all of their Share Account and all P2P Sharing activities ![Dashboards](https://www.sharable.life/hubfs/Sharable_January2022/Images/Dashboards.svg) ### Dashboards Members have full visibility and transparency into all their individual sharing activities as well as those of the Community ![Share Notices](https://www.sharable.life/hubfs/Sharable_January2022/Images/Share%20Notices.svg) ### Share Notices Members are able to view and pay their Monthly Share Notice as well as manage their payment methods ![Care Teams](https://www.sharable.life/hubfs/Sharable_January2022/Images/Care%20Teams.svg) ### Care Teams Members develop and maintain a list of favorite medical providers and Care Navigators for easy access and connections ![Active Servicing](https://www.sharable.life/hubfs/Sharable_January2022/Images/Active%20Servicing.svg) ### Active Servicing Automate a messaging and notification strategy to keep members informed of activities and services related to their membership and participation ![Tele Health](https://www.sharable.life/hubfs/Sharable_January2022/Images/Tele-Health.svg) ### Tele-Health An integrated tele-health application that enables members to set appointments with doctors and participate in web-based medical consults ![Pharmacy](https://www.sharable.life/hubfs/Sharable_January2022/Images/Pharmacy.svg) ### Pharmacy An integrated pass-thru pharmacy that ensures members receive the lowest possible price at more than 50,000 retail pharmacies # Client Center (Value Chain Management) ![App Support](https://www.sharable.life/hubfs/Sharable_January2022/Images/App%20Support.svg) ### App Support Full visibility into all active applications and the ability assist applicants through a web-based enrollment process ![Member Management](https://www.sharable.life/hubfs/Sharable_January2022/Images/Member%20Management.svg) ### Member Management Full visibility into all member activities and the ability to assist members in the management of their memberships ![Care Navigation](https://www.sharable.life/hubfs/Sharable_January2022/Images/Care%20Navigation.svg) ### Care Navigation An online application for assisting members with inquiries and fully-resolving service requests ![Payment Management](https://www.sharable.life/hubfs/Sharable_January2022/Images/Payment%20Management.svg) ### Payment Management Assist members with the manual or recurring payment of their Monthly Share Amount ![Receivable Management](https://www.sharable.life/hubfs/Sharable_January2022/Images/Receivable%20Management.svg) ### Receivable Management Full visibility into the collection of Monthly Shares and management of past due accounts ![Financial Hardships](https://www.sharable.life/hubfs/Sharable_January2022/Images/Financial%20Hardships.svg) ### Financial Hardships Help and assist struggling members through membership waivers and automated payment plans ![Dashboards](https://www.sharable.life/hubfs/Sharable_January2022/Images/Dashboards.svg) ### Dashboards Full visibility into all members' sharing activities, VSE Accounts and the flow of community funds ![Reporting](https://www.sharable.life/hubfs/Sharable_January2022/Images/Reporting.svg) ### Reporting Standard and custom reporting options on all aspects of the Sharing Value Chain # Virtual Share Exchange® (P2P Sharing) ![Cycle Cut Management](https://www.sharable.life/hubfs/Sharable_January2022/Images/Cycle%20Cut%20Management.svg) ### Cycle Cut Management Implement and manage Monthly Cycle Cuts to bill by Share Periods ![Share Notice Generation](https://www.sharable.life/hubfs/Sharable_January2022/Images/Share%20Notice%20Generation.svg) ### Share Notice Generation Automate the generation and publishing of a multi-variable Monthly Share Notice ![Dynamic Reserving™](https://www.sharable.life/hubfs/Sharable_January2022/Images/Dynamic%20Reserving%E2%84%A2.svg) ### Dynamic Reserving™ Implement a dynamic variable amount in the Monthly Share Notice to sustain target reserve levels ![Matching & Allocation](https://www.sharable.life/hubfs/Sharable_January2022/Images/Matching%20%26%20Allocation.svg) ### Matching & Allocation Execute a P2P Sharing process that ensures member equity and supports the build-up of Distributed Reserves® ![Bill Publishing](https://www.sharable.life/hubfs/Sharable_January2022/Images/Bill%20Publishing.svg) ### Bill Publishing Generate and publish notifications to both Need Owners and Contributors before the transfer of funds ![Distributed Reserves](https://www.sharable.life/hubfs/Sharable_January2022/Images/Bill%20Publishing.svg) ### Distributed Reserves® Build and sustain medical reserves that are distributed across member accounts and partitioned by oldest funds ![Provider Payments](https://www.sharable.life/hubfs/Sharable_January2022/Images/Provider%20Payments.svg) ### Provider Payments Direct, monitor, and track the collection of shared funds and payments to Providers [![Sharable](https://www.sharable.life/hubfs/raw_assets/public/Sharable_January2022/images/logo.svg "Sharable")](https://www.sharable.life/?hsLang=en) [2026 Sharable™. All Rights Reserved](https://www.sharable.life/?hsLang=en) [Privacy Policy](https://www.sharable.life/privacy-policy?hsLang=en) [Terms and Conditions](https://www.sharable.life/terms-and-conditions?hsLang=en) - PLATFORM - [App Center](https://www.sharable.life/platform#app) - [Member Center](https://www.sharable.life/platform#member) - [Client Center](https://www.sharable.life/platform#client) - [Virtual Share Exchange®](https://www.sharable.life/platform#vse) - [Platform features](https://www.sharable.life/platform#features) - COST CONTAINMENT - [Hybrid RBP](https://www.sharable.life/cost-containment#rbp) - [Integrated Tele-Health](https://www.sharable.life/cost-containment#telehealth) - [Integrated Pharmacy](https://www.sharable.life/cost-containment#pharmacy) - SERVICES - [Build Operate & Transfer](https://www.sharable.life/services#bot) - [Member Development](https://www.sharable.life/services#memberdev) - [Performance Engineering](https://www.sharable.life/services#performance) - RESOURCES - [Sharable Insights (Blog)](https://blog.sharable.life) - [Help Center](https://sharable.zendesk.com/hc/en-us) - ABOUT US - [Company](https://www.sharable.life/our-team) - [Contact Us](https://www.sharable.life/contact-us)