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31x23</image:title></image:image><lastmod>2023-07-06</lastmod></url><url><loc>https://www.impacthealthsharing.com/videos/laurens-hospital-experience</loc><video:video><video:thumbnail_loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Videos/How%20to%20Submit%20a%20Medical%20Bill.mp4/medium.jpg</video:thumbnail_loc><video:title>HowtoSubmitaMedicalBill</video:title><video:description>HowtoSubmitaMedicalBill</video:description><video:content_loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Videos/How%20to%20Submit%20a%20Medical%20Bill.mp4</video:content_loc><video:duration>167</video:duration><video:requires_subscription>no</video:requires_subscription><video:live>no</video:live></video:video><video:video><video:thumbnail_loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Videos/Going%20to%20the%20Doctor%20(Wellness%20Insert).mp4/medium.jpg</video:thumbnail_loc><video:title>GoingtotheDoctorWellnessInsert</video:title><video:description>GoingtotheDoctorWellnessInsert</video:description><video:content_loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Videos/Going%20to%20the%20Doctor%20(Wellness%20Insert).mp4</video:content_loc><video:duration>178</video:duration><video:requires_subscription>no</video:requires_subscription><video:live>no</video:live></video:video><video:video><video:thumbnail_loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Videos/Testimonials%20from%20Elevate%20event/Lauren%20McQueen%20-%20the%20power%20of%20Impacts%20bill%20repricing.mp4/medium.jpg</video:thumbnail_loc><video:title>LaurenMcQueenthepowerofImpactsbillrepricing</video:title><video:description>LaurenMcQueenthepowerofImpactsbillrepricing</video:description><video:content_loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Videos/Testimonials%20from%20Elevate%20event/Lauren%20McQueen%20-%20the%20power%20of%20Impacts%20bill%20repricing.mp4</video:content_loc><video:duration>62</video:duration><video:requires_subscription>no</video:requires_subscription><video:live>no</video:live></video:video><video:video><video:thumbnail_loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Videos/impact-health-sharing-protocols.mp4/medium.jpg</video:thumbnail_loc><video:title>HealthcareSharingvsInsuranceatImpactHealthSharing</video:title><video:description>DiscoverhowImpactHealthSharingrevolutionizeshealthcarewithamembercentricapproachthatprioritizestransparencyandcommunitysupportInthisinsightfulvideoPhilChryslerPresidentandCEOofImpactHealthSharingdelvesintotheuniqueprotocolsthatsetImpactapartfromtraditionalhealthcaresharingorganizationsLearnhowourindustryleadingtechnologyandinnovativepracticesensurethatmembershavefullcontrolovertheirfundsandaclearunderstandingofthesharingprocessKeytopicscoveredincludeUnderstandingHealthcareSharingLearnwhyhealthcaresharingisdistinctfrominsuranceandhowitoperatesonacommunitybasedmodelthatemphasizespersonalresponsibilityTransparentFinancialPracticesDiscoverhowmembersmaintaincontrolbydepositingsharesintotheirownaccountsavoidingthepitfallsofpooledfundsInnovativePublishingMethodsUnderstandtheimportanceofpublishingsharenoticesandmedicalbillallocationsensuringmembersareinformedandengagedinthesharingprocessDistributedReservingExplorehowourapproachtoreservingcreatesliquidityforquickmedicalbillallocationwhileprioritizingmembersneedsPeertoPeerSharingSeehowthefundsmovedirectlybetweenmembersfosteringasenseofcommunityandsupportThirdPartyOversightFindoutaboutthesafeguardsinplaceincludingfiduciaryoversighttoguaranteetheintegrityandtransparencyoftheprogramBytheendofthisvideoviewerswillgainacomprehensiveunderstandingofhowImpactHealthSharingworksthebenefitsofourcommunityfocusedapproachandwhyitsanexcellentchoiceforthoseseekingaffordablehealthcaresolutionsJoinusinredefininghealthcarethroughsharedvaluesandcollectivesupport</video:description><video:content_loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Videos/impact-health-sharing-protocols.mp4</video:content_loc><video:duration>449</video:duration><video:requires_subscription>no</video:requires_subscription><video:live>no</video:live><video:tag>MemberControl</video:tag><video:tag>CommunityCare</video:tag><video:tag>ImpactHealthSharing</video:tag><video:tag>TransparentHealthcare</video:tag><video:tag>HealthcareSharing</video:tag></video:video><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/IHS%20Logos/logo-secondary.png</image:loc><image:caption>logosecondary</image:caption><image:title>logosecondary</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Pulse%20Logo/impact-light.svg</image:loc><image:caption>impactlight</image:caption><image:title>impactlight</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Doctor%20holding%20clipboard%20with%20file%20in%20hospital%20room.jpeg</image:loc><image:caption>Doctorholdingcl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(8)-2</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/iStock-2152777759.webp</image:loc><image:caption>iStock-2152777759</image:caption><image:title>iStock-2152777759</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Pulse%20Logo/impact-light.svg</image:loc><image:caption>impact-light</image:caption><image:title>impact-light</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Pulse%20Logo/logo-tag-primary-250.png</image:loc><image:caption>logo-tag-primary-250</image:caption><image:title>logo-tag-primary-250</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Blog/SVG%2031x23.svg</image:loc><image:caption>SVG 31x23</image:caption><image:title>SVG 31x23</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Blog/Blog%20Images%20-%20Impact%20(6)-2.jpg</image:loc><image:caption>Blog Images - Impact (6)-2</image:caption><image:title>Blog Images - Impact (6)-2</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Website%20-%20March%202021/garrett.png</image:loc><image:caption>garrett</image:caption><image:title>garrett</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/IHS%20Logos/logo-secondary.png</image:loc><image:caption>logo-secondary</image:caption><image:title>logo-secondary</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Blog/Webp%20Blog%20Images/Blog%20Images%20-%20Impact%20(2)-Dec-28-2023-11-10-15-6666-PM.webp</image:loc><image:caption>Blog Images - Impact (2)-Dec-28-2023-11-10-15-6666-PM</image:caption><image:title>Blog Images - Impact 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/image:loc><image:caption>logosecondary</image:caption><image:title>logosecondary</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Pulse%20Logo/impact-light.svg</image:loc><image:caption>impactlight</image:caption><image:title>impactlight</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Videos/Website%20Thumbnails%20(3).webp</image:loc><image:caption>WebsiteThumbnails3</image:caption><image:title>WebsiteThumbnails3</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Videos/Video%20Cover%20Photo%20(2).webp</image:loc><image:caption>VideoCoverPhoto2</image:caption><image:title>VideoCoverPhoto2</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Pulse_Pattern1_Teal.png</image:loc><image:caption>PulsePattern1Teal</image:caption><image:title>PulsePattern1Teal</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Stock%20images/Mid%20section%20of%20man%20calculating%20bills%20on%20mobile%20phone.jpeg</image:loc><image:caption>Midsectionofmancalculatingbillsonmobilephone</image:caption><image:title>Midsectionofmancalculatingbillsonmobilephone</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Pulse%20Logo/logo-tag-primary-250.png</image:loc><image:caption>logotagprimary250</image:caption><image:title>logotagprimary250</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Pulse_Pattern3_Navy.png</image:loc><image:caption>PulsePattern3Navy</image:caption><image:title>PulsePattern3Navy</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Blog/Webp%20Blog%20Images/Blog%20Images%20-%20Impact-3.webp</image:loc><image:caption>BlogImagesImpact3</image:caption><image:title>BlogImagesImpact3</image:title></image:image><lastmod>2026-07-15</lastmod></url><url><loc>https://www.impacthealthsharing.com/blog/healthcare-challenges-that-small-business-owners-face</loc><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Blog/SVG%2031x23.svg</image:loc><image:caption>SVG 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31x23</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Blog/Blog%20Images%20-%20Impact%20(20)-3.jpg</image:loc><image:caption>Blog Images - Impact (20)-3</image:caption><image:title>Blog Images - Impact (20)-3</image:title></image:image><lastmod>2021-06-01</lastmod></url><url><loc>https://www.impacthealthsharing.com/knowledge/account-verification</loc><lastmod>2025-11-19</lastmod></url><url><loc>https://www.impacthealthsharing.com/modernize-healthcare-sharing</loc><video:video><video:thumbnail_loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Videos/new-year-message.mp4/medium.jpg</video:thumbnail_loc><video:title>ImpactHealthSharing2026MessageTrustTransparencyCommunity</video:title><video:description>AsweembarkonanewyearjoinusinreflectingonthevaluesthatmakeImpactHealthSharingauniquechoiceinhealthcareWeexpressourheartfeltgratitudetoourmembersfortrustingustoserveyourhealthcareneedswithintegrityandtransparencyInthisvideoweexploreCommunityCentricHealthcareDiscoverhowImpactHealthSharingfostersasupportiveenvironmentwheremembershelpeachotherprioritizingpersonalcareoverimpersonalpoliciesCommitmenttoAccountabilityLearnaboutourfoundationalbeliefthataccountabilityisessentialinhealthcarecontrastingwiththegrowingconcernsoffraudandoversightfailuresinlargersystemsVisionfor2026WeshareouraspirationsforthefutureofhealthcaresharingadvocatingforinnovationandpatientfocusedsolutionsthatalignwiththeneedsandvaluesofourmembersKeytakeawaysincludeTheimportanceofcommunityinachievingbetterhealthoutcomesAclearunderstandingofourmissiontocreateahealthcaresystemthatishonestandworksforeveryoneInsightsonhowyoucanplayavitalroleinthismovementtowardamoreaccountableandcompassionatehealthcareapproachTogetherletsmake2026apivotalyearforhealthcaresharingembracingamodelthatprioritizespeopleoverprofitsThankyouforbeinganintegralpartofourcommunityaswenavigatethechallengesandopportunitiesaheadJoinusinthisjourneytowardsbetterhealthforall</video:description><video:content_loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Videos/new-year-message.mp4</video:content_loc><video:duration>154</video:duration><video:requires_subscription>no</video:requires_subscription><video:live>no</video:live><video:tag>PersonalizedHealthcare</video:tag><video:tag>CommunityHealthcare</video:tag><video:tag>HealthcareTransparency</video:tag><video:tag>ImpactHealthSharing</video:tag><video:tag>NewYearMessage</video:tag></video:video><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/iStock-1796568881.webp</image:loc><image:caption>iStock1796568881</image:caption><image:title>iStock1796568881</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/IHS%20Logos/logo-secondary.png</image:loc><image:caption>logosecondary</image:caption><image:title>logosecondary</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Pulse_Pattern3_Teal.png</image:loc><image:caption>PulsePattern3Teal</image:caption><image:title>PulsePattern3Teal</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/iStock-1620872812.webp</image:loc><image:caption>iStock1620872812</image:caption><image:title>iStock1620872812</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/new-year-message-thumb.jpeg</image:loc><image:caption>newyearmessagethumb</image:caption><image:title>newyearmessagethumb</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/IHS%20Logos/IHS%20Logo%20White%20Background.png</image:loc><image:caption>IHSLogoWhiteBackground</image:caption><image:title>IHSLogoWhiteBackground</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Pulse%20Logo/impact-light.svg</image:loc><image:caption>impactlight</image:caption><image:title>impactlight</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/iStock-1443477017.webp</image:loc><image:caption>iStock1443477017</image:caption><image:title>iStock1443477017</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/img7.jpg</image:loc><image:caption>img7</image:caption><image:title>img7</image:title></image:image><lastmod>2026-03-03</lastmod></url><url><loc>https://www.impacthealthsharing.com/blog/healthcare-sharing-vs-health-insurance-whats-the-difference</loc><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Blog/SVG%2031x23.svg</image:loc><image:caption>SVG 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(20)-3</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Pulse%20Logo/logo-tag-primary-250.png</image:loc><image:caption>logo-tag-primary-250</image:caption><image:title>logo-tag-primary-250</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Blog/SVG%2031x23.svg</image:loc><image:caption>SVG 31x23</image:caption><image:title>SVG 31x23</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Blog/blog%20images%20(8)-2.jpg</image:loc><image:caption>blog images (8)-2</image:caption><image:title>blog images (8)-2</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/iStock-2152777759.webp</image:loc><image:caption>iStock-2152777759</image:caption><image:title>iStock-2152777759</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Blog/Webp%20Blog%20Images/Make%20an%20Impact%20(5).webp</image:loc><image:caption>Make an Impact (5)</image:caption><image:title>Make an Impact (5)</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Blog/Webp%20Blog%20Images/Make%20an%20Impact%20(10).webp</image:loc><image:caption>Make an Impact (10)</image:caption><image:title>Make an Impact (10)</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Blog/Webp%20Blog%20Images/Make%20an%20Impact%20(9).webp</image:loc><image:caption>Make an Impact (9)</image:caption><image:title>Make 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Images - Impact   (3)-2</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Blog/Webp%20Blog%20Images/Blog%20Images%20-%20Impact%20(2)-Dec-28-2023-11-10-15-6666-PM.webp</image:loc><image:caption>Blog Images - Impact (2)-Dec-28-2023-11-10-15-6666-PM</image:caption><image:title>Blog Images - Impact (2)-Dec-28-2023-11-10-15-6666-PM</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Blog/Webp%20Blog%20Images/Make%20an%20Impact%20(11).webp</image:loc><image:caption>Make an Impact (11)</image:caption><image:title>Make an Impact (11)</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Blog/Blog%20Images%20-%20Impact%20(6)-2.jpg</image:loc><image:caption>Blog Images - Impact (6)-2</image:caption><image:title>Blog Images - Impact 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(6)-2</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/IHS%20Logos/logo-secondary.png</image:loc><image:caption>logo-secondary</image:caption><image:title>logo-secondary</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/iStock-2152777759.webp</image:loc><image:caption>iStock-2152777759</image:caption><image:title>iStock-2152777759</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Blog/Blog%20Images%20-%20Impact%20(20)-3.jpg</image:loc><image:caption>Blog Images - Impact (20)-3</image:caption><image:title>Blog Images - Impact (20)-3</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Blog/Webp%20Blog%20Images/Blog%20Images%20-%20Impact%20(2)-Dec-28-2023-11-10-15-6666-PM.webp</image:loc><image:caption>Blog Images - Impact (2)-Dec-28-2023-11-10-15-6666-PM</image:caption><image:title>Blog Images - Impact (2)-Dec-28-2023-11-10-15-6666-PM</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Blog/blog%20images%20(8)-2.jpg</image:loc><image:caption>blog images (8)-2</image:caption><image:title>blog images (8)-2</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Blog/Webp%20Blog%20Images/blogImages%20-%20Impact%20)%20(8)-2.webp</image:loc><image:caption>blogImages - Impact ) (8)-2</image:caption><image:title>blogImages - Impact ) (8)-2</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Blog/Webp%20Blog%20Images/blogImages%20-%20Impact%20)%20(7)-3.webp</image:loc><image:caption>blogImages - Impact ) (7)-3</image:caption><image:title>blogImages - Impact ) 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31x23</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Blog/Webp%20Blog%20Images/Blog%20Images%20-%20Impact%20(2)-Dec-28-2023-11-10-15-6666-PM.webp</image:loc><image:caption>Blog Images - Impact (2)-Dec-28-2023-11-10-15-6666-PM</image:caption><image:title>Blog Images - Impact (2)-Dec-28-2023-11-10-15-6666-PM</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Pulse%20Logo/impact-light.svg</image:loc><image:caption>impact-light</image:caption><image:title>impact-light</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Pulse%20Logo/logo-tag-primary-250.png</image:loc><image:caption>logo-tag-primary-250</image:caption><image:title>logo-tag-primary-250</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/iStock-2152777759.webp</image:loc><image:caption>iStock-2152777759</image:caption><image:title>iStock-2152777759</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Blog/Woman%20at%20the%20pharmacy.png</image:loc><image:caption>Woman at the pharmacy</image:caption><image:title>Woman at the 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31x23</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Blog/Webp%20Blog%20Images/Blog%20Images%20-%20Impact%20%20%20(24).webp</image:loc><image:caption>Blog Images - Impact   (24)</image:caption><image:title>Blog Images - Impact   (24)</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Blog/Blog%20Images%20-%20Impact%20(20)-3.jpg</image:loc><image:caption>Blog Images - Impact (20)-3</image:caption><image:title>Blog Images - Impact (20)-3</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Pulse%20Logo/logo-tag-primary-250.png</image:loc><image:caption>logo-tag-primary-250</image:caption><image:title>logo-tag-primary-250</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Blog/blog%20images%20(8)-2.jpg</image:loc><image:caption>blog images 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Images - Impact (2)-Dec-28-2023-11-10-15-6666-PM</image:caption><image:title>Blog Images - Impact (2)-Dec-28-2023-11-10-15-6666-PM</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Blog/blog%20images%20(8)-2.jpg</image:loc><image:caption>blog images (8)-2</image:caption><image:title>blog images (8)-2</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Blog/Untitled%20design%20(40).png</image:loc><image:caption>Untitled design (40)</image:caption><image:title>Untitled design (40)</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Blog/Untitled%20design%20(43).png</image:loc><image:caption>Untitled design (43)</image:caption><image:title>Untitled design 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(8)-2</image:title></image:image><lastmod>2026-07-02</lastmod></url><url><loc>https://www.impacthealthsharing.com/knowledge/setting-up-sms</loc><lastmod>2025-11-25</lastmod></url><url><loc>https://www.impacthealthsharing.com/knowledge/orthotics</loc><lastmod>2025-12-01</lastmod></url><url><loc>https://www.impacthealthsharing.com/videos/is-impact-insurance</loc><video:video><video:thumbnail_loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Videos/Testimonials%20from%20Elevate%20event/Jeremy%20Silverman%20-%20The%20power%20of%20Impacts%20repricing.mp4/medium.jpg</video:thumbnail_loc><video:title>JeremySilvermanThepowerofImpactsrepricing</video:title><video:description>JeremySilvermanThepowerofImpactsrepricing</video:description><video:content_loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Videos/Testimonials%20from%20Elevate%20event/Jeremy%20Silverman%20-%20The%20power%20of%20Impacts%20repricing.mp4</video:content_loc><video:duration>45</video:duration><video:requires_subscription>no</video:requires_subscription><video:live>no</video:live></video:video><video:video><video:thumbnail_loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Videos/Is%20Impact%20Insurance%3F.mp4/medium.jpg</video:thumbnail_loc><video:title>IsImpactInsurance</video:title><video:description>IsImpactInsurance</video:description><video:content_loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Videos/Is%20Impact%20Insurance%3F.mp4</video:content_loc><video:duration>154</video:duration><video:requires_subscription>no</video:requires_subscription><video:live>no</video:live></video:video><video:video><video:thumbnail_loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Videos/impact-health-sharing-protocols.mp4/medium.jpg</video:thumbnail_loc><video:title>HealthcareSharingvsInsuranceatImpactHealthSharing</video:title><video:description>DiscoverhowImpactHealthSharingrevolutionizeshealthcarewithamembercentricapproachthatprioritizestransparencyandcommunitysupportInthisinsightfulvideoPhilChryslerPresidentandCEOofImpactHealthSharingdelvesintotheuniqueprotocolsthatsetImpactapartfromtraditionalhealthcaresharingorganizationsLearnhowourindustryleadingtechnologyandinnovativepracticesensurethatmembershavefullcontrolovertheirfundsandaclearunderstandingofthesharingprocessKeytopicscoveredincludeUnderstandingHealthcareSharingLearnwhyhealthcaresharingisdistinctfrominsuranceandhowitoperatesonacommunitybasedmodelthatemphasizespersonalresponsibilityTransparentFinancialPracticesDiscoverhowmembersmaintaincontrolbydepositingsharesintotheirownaccountsavoidingthepitfallsofpooledfundsInnovativePublishingMethodsUnderstandtheimportanceofpublishingsharenoticesandmedicalbillallocationsensuringmembersareinformedandengagedinthesharingprocessDistributedReservingExplorehowourapproachtoreservingcreatesliquidityforquickmedicalbillallocationwhileprioritizingmembersneedsPeertoPeerSharingSeehowthefundsmovedirectlybetweenmembersfosteringasenseofcommunityandsupportThirdPartyOversightFindoutaboutthesafeguardsinplaceincludingfiduciaryoversighttoguaranteetheintegrityandtransparencyoftheprogramBytheendofthisvideoviewerswillgainacomprehensiveunderstandingofhowImpactHealthSharingworksthebenefitsofourcommunityfocusedapproachandwhyitsanexcellentchoiceforthoseseekingaffordablehealthcaresolutionsJoinusinredefininghealthcarethroughsharedvaluesandcollectivesupport</video:description><video:content_loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Videos/impact-health-sharing-protocols.mp4</video:content_loc><video:duration>449</video:duration><video:requires_subscription>no</video:requires_subscription><video:live>no</video:live><video:tag>MemberControl</video:tag><video:tag>CommunityCare</video:tag><video:tag>ImpactHealthSharing</video:tag><video:tag>TransparentHealthcare</video:tag><video:tag>HealthcareSharing</video:tag></video:video><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/IHS%20Logos/logo-secondary.png</image:loc><image:caption>logosecondary</image:caption><image:title>logosecondary</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Videos/Video%20Cover%20Photo%20(2).webp</image:loc><image:caption>VideoCoverPhoto2</image:caption><image:title>VideoCoverPhoto2</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Website%20-%20March%202021/5.webp</image:loc><image:caption>5</image:caption><image:title>5</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Pulse%20Logo/impact-light.svg</image:loc><image:caption>impactlight</image:caption><image:title>impactlight</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Pulse%20Logo/logo-tag-primary-250.png</image:loc><image:caption>logotagprimary250</image:caption><image:title>logotag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Impact ) (6) (1)</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Blog/Webp%20Blog%20Images/blogImages%20-%20Impact%20)%20(5)-2.webp</image:loc><image:caption>blogImages - Impact ) (5)-2</image:caption><image:title>blogImages - Impact ) (5)-2</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Blog/SVG%2031x23.svg</image:loc><image:caption>SVG 31x23</image:caption><image:title>SVG 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Images - Impact (6)-2</image:caption><image:title>Blog Images - Impact (6)-2</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Blog/Webp%20Blog%20Images/Blog%20Images%20-%20Impact%20(2)-Dec-28-2023-11-10-15-6666-PM.webp</image:loc><image:caption>Blog Images - Impact (2)-Dec-28-2023-11-10-15-6666-PM</image:caption><image:title>Blog Images - Impact (2)-Dec-28-2023-11-10-15-6666-PM</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Blog/Webp%20Blog%20Images/blogImages%20-%20Impact%20)%20(6).webp</image:loc><image:caption>blogImages - Impact ) (6)</image:caption><image:title>blogImages - Impact ) (6)</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Pulse%20Logo/impact-light.svg</image:loc><image:caption>impact-light</image:caption><image:title>impact-light</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Pulse%20Logo/logo-tag-primary-250.png</image:loc><image:caption>logo-tag-primary-250</image:caption><image:title>logo-tag-primary-250</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Blog/SVG%2031x23.svg</image:loc><image:caption>SVG 31x23</image:caption><image:title>SVG 31x23</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Blog/blog%20images%20(8)-2.jpg</image:loc><image:caption>blog images (8)-2</image:caption><image:title>blog images 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(2)-Dec-28-2023-11-10-15-6666-PM</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/iStock-2152777759.webp</image:loc><image:caption>iStock-2152777759</image:caption><image:title>iStock-2152777759</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Blog/SVG%2031x23.svg</image:loc><image:caption>SVG 31x23</image:caption><image:title>SVG 31x23</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Blog/blog%20images%20(8)-2.jpg</image:loc><image:caption>blog images (8)-2</image:caption><image:title>blog images (8)-2</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Blog/Blog%20Images%20-%20Impact%20(6)-2.jpg</image:loc><image:caption>Blog Images - Impact (6)-2</image:caption><image:title>Blog Images - Impact (6)-2</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Blog/Blog%20Images%20-%20Impact%20(20)-3.jpg</image:loc><image:caption>Blog Images - Impact (20)-3</image:caption><image:title>Blog Images - Impact (20)-3</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/IHS%20Logos/logo-secondary.png</image:loc><image:caption>logo-secondary</image:caption><image:title>logo-secondary</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Pulse%20Logo/impact-light.svg</image:loc><image:caption>impact-light</image:caption><image:title>impact-light</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Pulse%20Logo/logo-tag-primary-250.png</image:loc><image:caption>logo-tag-primary-250</image:caption><image:title>logo-tag-primary-250</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Blog/Bible%20reading.png</image:loc><image:caption>Bible reading</image:caption><image:title>Bible reading</image:title></image:image><lastmod>2025-12-22</lastmod></url><url><loc>https://www.impacthealthsharing.com/blog/how-to-prepare-for-your-first-provider-visit-as-an-impact-member</loc><video:video><video:thumbnail_loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Going%20to%20the%20Doctor.mp4/medium.jpg</video:thumbnail_loc><video:title>Going to the Doctor</video:title><video:description>Going to the Doctor</video:description><video:content_loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Going%20to%20the%20Doctor.mp4</video:content_loc><video:duration>152</video:duration><video:requires_subscription>no</video:requires_subscription><video:live>no</video:live></video:video><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Blog/Blog%20Images%20-%20Impact-Oct-13-2022-05-37-01-14-PM.jpg</image:loc><image:caption>Blog Images - Impact-Oct-13-2022-05-37-01-14-PM</image:caption><image:title>Blog Images - Impact-Oct-13-2022-05-37-01-14-PM</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Blog/SVG%2031x23.svg</image:loc><image:caption>SVG 31x23</image:caption><image:title>SVG 31x23</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Blog/Webp%20Blog%20Images/Blog%20Images%20-%20Impact%20(2)-Dec-28-2023-11-10-15-6666-PM.webp</image:loc><image:caption>Blog Images - Impact (2)-Dec-28-2023-11-10-15-6666-PM</image:caption><image:title>Blog Images - Impact (2)-Dec-28-2023-11-10-15-6666-PM</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Pulse%20Logo/logo-tag-primary-250.png</image:loc><image:caption>logo-tag-primary-250</image:caption><image:title>logo-tag-primary-250</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Pulse%20Logo/impact-light.svg</image:loc><image:caption>impact-light</image:caption><image:title>impact-light</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Blog/HCFA.png</image:loc><image:caption>HCFA</image:caption><image:title>HCFA</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/IHS%20Logos/logo-secondary.png</image:loc><image:caption>logo-secondary</image:caption><image:title>logo-secondary</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/iStock-2152777759.webp</image:loc><image:caption>iStock-2152777759</image:caption><image:title>iStock-2152777759</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Blog/blog%20images%20(8)-2.jpg</image:loc><image:caption>blog images (8)-2</image:caption><image:title>blog images (8)-2</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Blog/Blog%20Images%20-%20Impact%20(6)-2.jpg</image:loc><image:caption>Blog Images - Impact (6)-2</image:caption><image:title>Blog Images - Impact (6)-2</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Blog/Blog%20Images%20-%20Impact%20(20)-3.jpg</image:loc><image:caption>Blog Images - Impact (20)-3</image:caption><image:title>Blog Images - Impact (20)-3</image:title></image:image><lastmod>2022-10-28</lastmod></url><url><loc>https://www.impacthealthsharing.com/knowledge/how-can-i-see-if/when-my-medical-bill-was-paid</loc><lastmod>2025-11-24</lastmod></url><url><loc>https://www.impacthealthsharing.com/blog/simple-tips-to-build-your-savings-account</loc><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Blog/SVG%2031x23.svg</image:loc><image:caption>SVG 31x23</image:caption><image:title>SVG 31x23</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Pulse%20Logo/impact-light.svg</image:loc><image:caption>impact-light</image:caption><image:title>impact-light</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Blog/blog%20images%20(4).jpg</image:loc><image:caption>blog images (4)</image:caption><image:title>blog images 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(2)-Dec-28-2023-11-10-15-6666-PM</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/iStock-2152777759.webp</image:loc><image:caption>iStock-2152777759</image:caption><image:title>iStock-2152777759</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Blog/Webp%20Blog%20Images/Blog%20Images%20-%20Impact%20%20%20(16).webp</image:loc><image:caption>Blog Images - Impact   (16)</image:caption><image:title>Blog Images - Impact   (16)</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Blog/Webp%20Blog%20Images/Blog%20Images%20-%20Impact%20%20%20(12).webp</image:loc><image:caption>Blog Images - Impact   (12)</image:caption><image:title>Blog Images - Impact   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(6)-2</image:title></image:image><lastmod>2023-10-31</lastmod></url><url><loc>https://www.impacthealthsharing.com/knowledge/what-is-a-provider-fee</loc><lastmod>2026-05-29</lastmod></url><url><loc>https://www.impacthealthsharing.com/knowledge/will-my-provider-fee-be-applied-to-my-primary-responsibility-amount</loc><lastmod>2025-11-21</lastmod></url><url><loc>https://www.impacthealthsharing.com/blog/comparing-healthcare-programs-read-our-impact-health-sharing-reviews-today</loc><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Blog/Webp%20Blog%20Images/Blog%20Images%20-%20Impact%20(2)-Dec-28-2023-11-10-15-6666-PM.webp</image:loc><image:caption>Blog Images - Impact (2)-Dec-28-2023-11-10-15-6666-PM</image:caption><image:title>Blog Images - Impact (2)-Dec-28-2023-11-10-15-6666-PM</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Blog/Blog%20Images%20-%20Impact.jpg</image:loc><image:caption>Blog Images - Impact</image:caption><image:title>Blog Images - Impact</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Pulse%20Logo/logo-tag-primary-250.png</image:loc><image:caption>logo-tag-primary-250</image:caption><image:title>logo-tag-primary-250</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/IHS%20Logos/logo-secondary.png</image:loc><image:caption>logo-secondary</image:caption><image:title>logo-secondary</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Blog/Blog%20Images%20-%20Impact%20(6)-2.jpg</image:loc><image:caption>Blog Images - Impact (6)-2</image:caption><image:title>Blog Images - Impact 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31x23</image:caption><image:title>SVG 31x23</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Blog/Webp%20Blog%20Images/Blog%20Images%20-%20Impact%20(2)-Dec-28-2023-11-10-15-6666-PM.webp</image:loc><image:caption>Blog Images - Impact (2)-Dec-28-2023-11-10-15-6666-PM</image:caption><image:title>Blog Images - Impact (2)-Dec-28-2023-11-10-15-6666-PM</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Blog/Blog%20Images%20-%20Impact%20(20)-3.jpg</image:loc><image:caption>Blog Images - Impact (20)-3</image:caption><image:title>Blog Images - Impact 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(6)-2</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/iStock-2152777759.webp</image:loc><image:caption>iStock-2152777759</image:caption><image:title>iStock-2152777759</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Blog/blog%20images%20(8).jpg</image:loc><image:caption>blog images (8)</image:caption><image:title>blog images (8)</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Blog/SVG%2031x23.svg</image:loc><image:caption>SVG 31x23</image:caption><image:title>SVG 31x23</image:title></image:image><image:image><image:loc>https://5943296.fs1.hubspotusercontent-na1.net/hubfs/5943296/Blog/blog%20images%20(9).jpg</image:loc><image:caption>blog images (9)</image:caption><image:title>blog images 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