Anchor Membership
One catastrophic-sharing plan. Two ways to set your MRA.
Anchor 5 and Anchor 10 are the same membership — same eligible needs, same limitations, same waiting periods. The only difference is the Member Responsibility Amount you choose, which sets your monthly contribution.
MRA is per member, per calendar year — not a household deductible.
Catastrophic-only sharing
Anchor shares the big, unexpected medical needs — like ER and hospitalization — after your MRA is met. It is not a primary-care plan.
One flat rate
A single flat monthly contribution for all ages 0–65. Anchor does not use age-banded pricing.
Phased cancer sharing
Cancer sharing phases in starting month 13 and grows each year, up to the Annual Maximum by year four.
Choose your MRA
One flat rate per membership for all ages 0–65 — the only difference is your Member Responsibility Amount.
Anchor 5
$5,000
Member Responsibility Amount (MRA)
| Member Type | Contribution |
|---|---|
| Member | $155.00/mo |
| Member +1 | $238.00/mo |
| Family | $321.00/mo |
Flat rate for all ages 0–65 — Anchor does not use age-banded pricing. Additional members past 5 are $50 additional each.
Anchor 10
$10,000
Member Responsibility Amount (MRA)
| Member Type | Contribution |
|---|---|
| Member | $122.00/mo |
| Member +1 | $192.00/mo |
| Family | $278.00/mo |
Flat rate for all ages 0–65 — Anchor does not use age-banded pricing. Additional members past 5 are $50 additional each.
Every Anchor Membership Includes
These apply identically whether you choose Anchor 5 or Anchor 10.
What Anchor Does Not Share
Anchor is a catastrophic-only membership. Stating these plainly here is more honest than leaving a member to discover them at claim time.
How sharing actually works
Detail behind the checklist above.
Cancer sharing schedule
- No cancer sharing for the first 12 months of membership
- Year 2: shared up to $50,000
- Year 3: shared up to $125,000
- Year 4 and beyond: shared up to the Annual Maximum
- No sharing at any time for a cancer previously diagnosed or treated
Urgent care
- 2 visits per member, per calendar year, after the 30-day waiting period
- $35 office-visit co-share; the membership shares up to $300 per eligible visit
- Visits beyond the household's allowance are the member's full responsibility
Ambulance
- Ground transport: up to $3,000 per incident, MRA applies
- Air/water transport: up to $10,000 per incident, MRA applies
MRA
- Per member, per calendar year — not a household deductible
- Choosing Anchor 5 or Anchor 10 sets this amount; it does not change any other Anchor terms
Anchor Member Resources
Guidelines, forms, ID cards, provider search, and health discounts for Anchor members.